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Bankruptcy Attorneys Serving Lapeer County and Surrounding Areas

Atty. Hable and Atty. FrewThere are several events that may lead you to think about calling a bankruptcy attorney. Bad things do happen to good people, and bankruptcy may be an option you may want to consider to help you get back on your feet. You or a family member may have experienced an illness, loss of a job, an accident, or a divorce, all of which can wreak havoc on your finances. You may have already done everything you possibly could to avoid calling a bankruptcy attorney, but sometimes your financial problems are bigger than you can handle, and a bankruptcy attorney can help.

When you meet with one of our experienced bankruptcy lawyers, we will help you explore all of your options. One of your options may be to avoid filing bankruptcy. We will navigate all your options together, which may include the following:

Chapter 7 Bankruptcy

Chapter 7 is the type of bankruptcy most everyone thinks of when thinking about bankruptcy. If you qualify to file Chapter 7, most, if not all, of your debts will be discharged. In other words, your debts will be wiped out. Some of the debts which can be eliminated in a Chapter 7 bankruptcy include:

  • Credit Card Debt
  • Unsecured Loans
  • Medical Bills
  • Utility Bills
  • Judgments

Benefits to filing Chapter 7 Bankruptcy include:

  • Stops all garnishments and collection actions
  • Stops utility shut-offs
  • Driver's license reinstatement
  • Eliminates all dischargeable debts

Contact us today for a free evaluation to determine whether filing Chapter 7 is the right solution to help you and your family find relief.

Chapter 13 Bankruptcy

If you are behind on your mortgage and want to keep your house, Chapter 13 might be the right option for you. Chapter 13 allows you to reorganize your debts to be repaid in a more affordable monthly payment over three to five years. Like a Chapter 7, Chapter 13 also gives you some breathing room as creditors can no longer harass you. If there is any unpaid unsecured debt at the end of your repayment period, it will be discharged.

If you are facing foreclosure and want to save your home, call immediately as time is of the essence!

Student Loan Problems

You may have heard that student loans cannot be eliminated in bankruptcy. This may or may not be true depending on your situation. There are limited times when they can be discharged, and it is worth it for you to have any attorney evaluate whether your student loans will qualify for relief through bankruptcy. If bankruptcy is not an option, you may have other options worth exploring to find relief from your student loan debt. Call us today to determine what options you may have to find relief from your student loan debt.

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