Metro-Detroit Bankruptcy Attorneys

Struggling with Debt? Eliminate Debt Through Bankruptcy

Michigan residents, along with millions of Americans today are struggling with too much debt. More than ever, good people are finding themselves buried in unmanageable debt.

In many cases, this is a result of events outside of their control: immediate need of medical care, the loss of a job, significant reduction of wages, and predatory lending.

Call (248) 825-8042 today to schedule your Free No Obligation Consultation.

Eliminate your Debt Today | Your Trusted Chapter 7 Bankruptcy Attorneys

Chapter 7 bankruptcy is an option that has helped millions of people eliminate their debt and get a second chance at a bright financial future.

Bankruptcy may allow you to:

  • Erase Debt
  • Stop Creditor Harassment
  • Save Your Home, Car, and Personal Items
  • Start Fresh

Filing for bankruptcy in most cases will immediately place a hold on all collections activities, home foreclosure proceedings, wage garnishments, harassing creditor calls, and repossessions.

Free Bankruptcy Consultation

If you are considering bankruptcy and would like to learn more about your options, we would be glad to meet with you and review your situation during a free no obligation consultation at our Troy office.

Give us a call at (248) 825-8042 to schedule a free consultation.

Bankruptcy Options | Chapter 7 or Chapter 13 Bankruptcy?

As a Michigan consumer, the U.S. Bankruptcy code offers you two options, depending upon your unique circumstances.

  • Chapter 7 Bankruptcy - Commonly referred to as a liquidation bankruptcy, the general idea is that the debtor's assets are sold by a court appointed trustee to satisfy the debtor's debts. However, an actual liquidation is a rarity. Upon filing a Chapter 7 bankruptcy, an automatic stay is ordered. An automatic stay temporarily stops all collection activity, including creditor calls, home foreclosure, wage garnishments, car repossessions and other related activities.
  • Chapter 13 Bankruptcy - A Chapter 13 bankruptcy is referred to as a reorganization bankruptcy. Similar to a Chapter 7 bankruptcy, once a debtor files for a Chapter 13 bankruptcy, the court issues an automatic stay, which temporarily halts all collection activities. The debtor is then placed into a repayment plan which is typically stretched up to five years.

Your debt relief options will vary depending upon your unique circumstances. During your free consultation, we will:

  • Determining whether a Chapter 7 or a Chapter 13 bankruptcy is right for you
  • Learn whether any other debt-settlement options is right for you
  • Answer any and all questions you may have regarding your financial situation

Contact Hermiz Law today at (248) 825-8042.

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