Affordable Local Bankruptcy Lawyer in Michigan

Find a Local bankruptcy Attorney at Michigan ?

Affordable local bankruptcy attorney

When you are deciding on filing for bankruptcy, your decision can be majorly influenced by your attorney. So finding the perfect, experienced and at the same time sensitive bankruptcy attorney is important for the welfare of your case.

In the following article we will try to provide you guidance while searching for the perfect attorney for your case. Each case is unique in its own way and deserves customized attention which is at once good and cost effective. We also understand that finding an affordable bankruptcy attorney is one of the major concerns of debtors in Michigan. A detailed overview of the traits that you should look for in your attorney along with the nearest areas in Michigan from where you can avail the services will be provided in the article that follows.

What are the factors that you should keep in mind while hiring bankruptcy attorney in Michigan ?

·         Bear in mind that, more experienced the lawyer; the more likely he or she is to be able to grasp your problem and give you the necessary suggestions. So when you are deciding on the attorney, check his experience in the field he is working.

·           Also go through the records of how well he fared in the recent cases that he handled.

·       But above all, talk with him or her couple of times before finalizing and see if you are comfortable negotiating with the attorney. The understanding between the client and the bankruptcy attorney is highly important for the sake of the case.

·          If your attorney succeeds in making you feel calm and at ease and seems to be sensitive about your sentiments yet firm and practical with his suggestions, then he is the ideal person for handling your bankruptcy filing.

·         The expense is another very important point to be kept in mind. You can find cheap bankruptcy attorney in Michigan who may charge a very modest amount for their services but the no less capable than the expensive lawyers whom you cannot afford. The expense is crucial as once you are decided on going bankrupt, every little pence matter.

Our Lead attorney, Lyle Lieberman who particularly specializes with chapter 7 and chapter 13 bankruptcy and has gained numerous experiences over a period of 25 years is always too happy to assist you with any issues that you may have. At A Better Way Bankruptcy, we particularly pay attention to the sentiments of the clients and do understand that going through bankruptcy is particularly hard and even traumatizing. Our professional and warm staffs are very considerate of these details and we aim for complete client satisfaction for a decently affordable fee in every way. Moreover, our initial consultation is free of cost for which you can get an appointment through the TOLL FREE phone number at 1-844-ERASE-BILLS.

Where can I find a Local bankruptcy attorney ?

The law often differs ever-so-slightly from one place to another hence it is essential that you choose a lawyer who is specifically thorough with the bankruptcy laws of your respective areas.  So depending on your specific are you can search for a bankruptcy attorney online or through a friend or in your immediate neighborhood.

If you are from or near around Ann Arbor, Auburn Hills, Detroit, Royal Oak, Southfield, Sterling Heights, or Warren, you can reach out for our service. We intend to expand your services beyond the specified areas in future and gain inspiration from the faith that our clients show in us. So do not feel down if we are entangled in debts and look for your nearest affordable bankruptcy attorney today.

Sterling Height Bankruptcy Attorney ,Warren Bankruptcy Attorney- Michigan | In Depth Analysis of Bankruptcy

An In depth Analysis of Bankruptcy 

Simply put, bankruptcy is federal debt relief. It is a process without which individuals, businesses, or any other enterprise risks being stripped of their hard-earned assets.  This law affords them federal protection from this embarrassing situation and helps them reduce their debts. In Michigan, going bankrupt is a common occurrence. It is something that has been there for decades and the number of bankruptcy lawyers setting up there can attest to this. However, despite the massive number of bankruptcy attorneys, many of them still offer expensive services to clients and have little experience. In order to make the process smooth and hassle-free, experienced and affordable bankruptcy lawyers such as those of A Better Way Bankruptcy in Michigan should be hired. It has its offices in Southfield and Sterling Heights and serves residents from diverse areas within Michigan.

The bankruptcy process is emotionally and financially draining. Very few attorneys can competently handle this process since it requires an in-depth knowledge of the law. Furthermore, they need to constantly update themselves on the small changes to the law. Experience, therefore, should be one of the requirements used when looking for a bankruptcy attorney. One should also consider the client reviews on their website. Without thinking about these things beforehand you may hire a lawyer who will run dry your finances and leave you in a worse state.

Bankruptcy is broadly grouped into two types; liquidation and re-organization debt relief. Liquidation debt relief is Chapter 7 and re-organization debt relief is Chapter 13 of the bankruptcy code. Both are filed by individuals (not a business or corporation) and it gives protection against losing your personal assets such as clothes and household items such as furnishings. Property can only be sold to pay off the debts but the bankruptcy allows for assets to be exempted and protected. Our bankruptcy attorney has a lot of knowledge of how to let you keep all your assets. By hiring A Better Way Bankruptcy during this process you can rest assured that all will go well from the beginning to the end.

Whether you qualify for a Chapter 7 or a Chapter 13 is determined by a means test. Our attorney can perform this means test at the free consultation to tell you which chapter you should file.

Chapter 7 bankruptcy discharges all unsecured creditors with the exception of student loans, child support, and certain tax debts. From filing to discharge, Chapter 7 takes an average of 5 months. Chapter 13 bankruptcy is a reorganization which takes into account your income, expenses, and all the creditors you owe. A Chapter 13 is filed if you own a home that is going into foreclosure and you want to keep it or if you have a car that will be repossessed by the finance company. The Chapter 13 Plan allows you to be able to repay those and other creditors and let you keep your house and car. A Chapter 13 bankruptcy plan lasts 3 or 5 years.

Bankruptcy can be a challenging process. Let A Better Way Bankruptcy help you through this process.

Erase Your Worries, Erase Your Stress, Erase Your Debts

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For Free Consultation Call : 1-844-ERASE-BILLS

Southfield, Michigan Bankruptcy Attorney -Detroit Bankruptcy Lawyers

Identifying Your Ideal Bankruptcy Attorney In Southfield, MI

When you find yourself in need of a bankruptcy attorney it can be overwhelming sorting through the numerous bankruptcy attorneys available to you, especially in the SouthField, Michigan area. You do not have to worry though, there are various attributes that can help you sift the best debt relief lawyer from the rest. Price should not be your only criteria; you need an attorney with years of experience in bankruptcy law.  You want an attorney who not only knows the laws and procedures well, but also knows the judges and trustees.  An attorney with a good rapport with the judges and trustees is a huge asset for you, the client.

Low cost bankruptcy fees - Detroit Bankruptcy lawyer ,Affordable bankruptcy laywer

A Better Way Bankruptcy is a highly reputed bankruptcy firm in Michigan that has proudly serves Southfield and the entire metropolitan Detroit area and suburbs for over 25 years. With offices conveniently located in Southfield and Sterling Heights, A Better Way Bankruptcy is a debt relief agency that takes pride in its highly professional and experienced bankruptcy attorneys. It is proud of the highly respected rapport it holds with all the judges and trustees.

Before you hire a bankruptcy attorney in Southfield, MI, or anywhere, you need to ensure that they are able to address the following;

  1. They should be willing and able to thoroughly explain the bankruptcy process.
  2. They should be able to handle all aspects of your bankruptcy case.
  3. They should be willing to be with you from beginning to end.
  4. They should give you a clear outline of the fees charged and the services covered by the fees.
  5. They should be highly experienced and knowledgeable with the state, federal, and local debt relief laws.
  6. They should give you a good feeling that they and their office are the right fit for you.

Make a list of questions you have before your consultation and never shy off from asking them the questions. Be very keen on the way they answer each question and make sure and question anything that is unclear to you or that you do not understand. If they give you a feeling that they are unsure, or seem to be evasive in their answers, then you may want to call another bankruptcy attorney in Southfield, MI, or wherever you are located.

Prices or fees charged should never be a deciding factor when choosing your bankruptcy lawyer in Southfield or elsewhere. You do yourself a great disservice when you choose an attorney based solely on price.  Would you choose a heart surgeon based on who is cheapest, or who is best ? The same applies here.  You are trusting your financial future to this person. Choose wisely.  Luckily, prices are relatively low now for bankruptcy attorneys in Southfield, MI and elsewhere.  Make sure that when you call an attorney you ask not only his charges, but also how many years experience he has in bankruptcy law, not just how many years he has been an attorney.

No attorney should give you his price over the phone as it is nearly impossible to gauge the complexity of a case without all the details needed.  This would mean he would need to see bank statements, tax returns, income statements and all your debts in order to make an educated appraisal of your case and its costs.  He should be able to give you a range for his fees. Remember there are also court costs added on to these fees.

Call NOW 1-844-ERASE-BILLS 

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The 3 Reasons Most People File for Bankruptcy

You don’t have to be psychic to know why you are in our office.  Most people are not “deadbeats” or “people who just spend too much” they aren’t “immature and irresponsible”.  Bad stuff happens to good people.  Plain and simple.  There are 3 main reasons people need to file bankruptcy:

1.Job Loss or Loss of Income

2.Divorce/Separation

3.Medical Issue

Job Loss or Loss of Income:

Job Loss is a catastrophic event for anyone involved.  Suddenly your security is ripped away and you feel terrified, alone and, sometimes, sadly, worthless. There is no crime in losing your job and no reason to feel like less of a person.  You are amazing, your industry has lost out when they lost you.  Now is time to use bankruptcy to help you eliminate those bills hanging over your head leaving you free to reevaluate what you want to do with your life and get on with it!

Loss of Income can be as devastating since you still have income just nowhere near enough.  Now you start robbing Peter to pay Paul.  You start juggling bills and losing sleep trying to figure out who to pay this month and who can wait a month.  Unfortunately, we have learned that eventually Peter peters out and that snowball becomes an avalanche.

Research tells us that most people wait 2 years after job/business loss, loss of income to actually come into our office to get help.  Unemployment has run out, they have tapped all their relatives and they are at the end of their rope.  We only wish they would have come in sooner.  Why go through all this unnecessary suffering when a solution is a phone call away?

Divorce/Separation:

Divorce is hard enough without the added stress of bills that need to be paid.  Both parties are trying to heal and move on with their lives and this process is complicated by all these debts that have to be paid – but how?  One household is now two – two times the expenses PLUS all the bills from pre-divorce. Add in the divorce attorneys bills, child support and alimony.  No one escapes divorce unscathed.

Medical Issue:

Medical Issues now account for a large percentage of the bankruptcies filed in the U.S every year.  Elizabeth Warren, a professor at Harvard, conducted a research study in 2007 which concluded that bankruptcies had increased by nearly 50 percent in the six-year period, from 46 percent in 2001 to 62 percent in 2007.  She found that most of those who filed for bankruptcy were middle-class, well-educated homeowners.

“They concluded that 62.1 percent of the bankruptcies were medically related because the individuals either had more than $5,000 (or 10 percent of their pretax income) in medical bills, mortgaged their home to pay for medical bills, or lost significant income due to an illness. On average, medically bankrupt families had $17,943 in out-of-pocket expenses, including $26,971 for those who lacked insurance and $17,749 who had insurance at some point.” Medical bills prompt more than 60 percent of U.S. bankruptcies June 05, 2009 |By Theresa Tamkins

Even given the huge increase in filings in 2005 due to the panic over the “new law” bankruptcy changes, it is clear that medical bills/issues account in one way or another, for a large percentage of the bankruptcies filed in the U.S.

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We know that no one wants to file bankruptcy.  It’s not a life goal for most people, but it can be a necessity for survival.  Life happens and we do what we have too to survive.  The bankruptcy laws are there to give you the opportunity to clean your slate and get a fresh start.  Come in and let us discuss your options and what the best course of action is for you.  We are here to help!



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You retained our office for bankruptcy. What’s next?

So you have retained our office for bankruptcy. What happens next?

When you retain with our office you will be given some information. Most importantly you will receive the homework package, a document checklist, and credit counseling information. The homework package needs to be filled out as completely as possible so that we are able to complete your bankruptcy paperwork that will be filed with the court. The documents on the checklist are required by the trustee and we need to provide them to the trustee before your hearing date. The credit counseling must be done at least one day before your case can be filed. The certificate is only good for 180 days (about 6 months) so we recommend you try to do it as close to before your signing appointment as possible. We don’t want to have you do the credit counseling, have something come up that delays a final payment or your signing appointment and then you have to do the credit counseling again.

The signing appointment is made with our office when: you are paid in full to file, we have your homework package, your credit counseling certificate, and we have most – if not all – of the applicable documents on the document checklist. At this appointment you will first review the paperwork to make sure you do not see any errors. You will then meet with the attorney and he will go over all of the documents with you, make any necessary changes, and have you sign them. You will receive a copy of everything you have signed at this appointment and these documents are what we will be filing in your case.

You signed the paperwork, you did the credit counseling, and you provided us with the document checklist documents.

Your case is filed!

Once we file your case the court generates a case number right away you can call us to get the case number for your records if you wish. A few days after filing, the court also generates a hearing date and sends us a hearing notice (they will also send you a copy of this). The hearing date is scheduled for generally 30 to 40 days after the date of filing. When we get that hearing date we will send you a letter letting you know when it is, what time to be there, where to go, any documents we still need from you, and what to take to court with you. If you are filing a chapter 13 your letter will also have information about your confirmation hearing date and time.

FOR CHAPTER 7’S BANKRUPTCY:


Once you have the hearing the court has to wait at least 3 months before issuing a discharge. They have to wait this time in all cases to make sure no creditors have objections or make sure there is nothing else that the trustee or court have issue with. Your discharge will be filed about 3-4 months after your hearing date. If it has been 4 months since your hearing and you do not have a Notice of Discharge from the court or a card from our office, call us and we will find out what is holding it up.

FOR CHAPTER 13’S BANKRUPTCY:


At least one month after your first hearing you have a confirmation hearing. During the time between hearings you are to be making payments as stated in your Plan. At the confirmation hearing the court will approve your Plan and your case will continue for 36 or 60 months as stated in the Plan. The attorney will have gone over all the parts of the plan with you before your case was filed.

For the life of your case you will be required to submit your tax returns to our office so that we can send them to the trustee. If your plan states, you may also be required to submit your tax refunds to the trustee to go towards your Plan payments.
Once your Plan is complete, the trustee will do an audit (which can take up to 6 months but they will have stopped taking out payments at this point) and begin closing the case. You will receive documentation about this. You will receive a Notice of Discharge once your case is discharged and you will receive a card from our office.

 

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 !!! SOUTHFIELD BANKTRUPTCY ATTORNEY ALWAYS READY TO HELP YOU !!! 


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I Need A Cheap Detroit Bankruptcy Attorney!

 I’m Broke! I Need a Cheap Bankruptcy Lawyer !

 

Cheap Detroit bankruptcy attorney lawyer

I Know everyone price shops, heck I do too but lets put price shopping your attorney in perspective. If you needed heart surgery would you price shop the doctor you need to save your life? Would you really want the cheapest doctor or the one with the most experience in the field you need? Why are you looking for the cheapest person to entrust your financial future to?

Instead of price shopping your attorney shop their EXPERIENCE. Look for an attorney who has been doing BANKRUPTCY for at least 11 years. Why 11 years ? Because they know the law before and after the changes made in 2005. You need someone who KNOWS what they are doing, without question.

We give you both! Our attorney has been doing bankruptcy exclusively for over 25 years. He practices bankruptcy exclusively and at an affordable price. Call us today for a free consultation. Let us help you get some peace of mind!

To set up your FREE initial consultation Call Now -248-559-9529

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                    Call NOW 1-844-ERASE-BILLS