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Chapter 13 Bankruptcy


Stop Creditor Harassment, Lawsuits, Garnishments, and Protect Your Assets!


For most cases, a Chapter 7 bankruptcy is the ideal, but may not be possible. Frequently, when a Chapter 7 bankruptcy isn’t feasible, a Chapter 13 bankruptcy is the next best option. A Chapter 13 bankruptcy can stop lawsuits, end creditor harassment, protect your assets, and allow you peace of mind.

A few reasons why a person may have to file a Chapter 13 rather than a Chapter 7 are:

1)    Your income (or your spouse’s income) is too high

2)    You (or your spouse) have filed and discharged a Chapter 7 
bankruptcy in the last 8 years

3)     You (or your spouse) have too many assets that cannot be
protected in a Chapter 7 bankruptcy


In a Chapter 13 bankruptcy you do have to repay some of your debt. In most cases you only repay a small percentage of what is owed; the rest is discharged at the end of the payment plan, just like in a Chapter 7 bankruptcy. The payment plan for a Chapter 13 bankruptcy lasts for 3 to 5 years, and is based on the amount of debt owed, your income, and your average monthly expenses. By basing the payments off your budget you can be assured that the payments will be affordable.

One thing that can be done in a Chapter 13 is the ability to do a "lien strip" or "cram down" of your mortgage or other secured debt.

We handle Chapter 13 Bankruptcies out of Highland, Milford, Walled Lake, White Lake, Waterford, Clarkston, Hartland, Holly, Rochester, Rochester Hills, Auburn Hills, Troy, Madison Heights, Livonia, Garden City, Oak Park, Traverse City, Novi, West Bloomfield, Detroit, Farmington Hills, Southfield, Howell, Brighton, Port Huron, Mt. Clemens, Romeo, all of Metro Detroit, Oakland County, Wayne County, Livingston County, Macomb County, St. Clair County, Sanilac County, and in both the Eastern and Western District Courts of Michigan. 

Contact us today to see if a Chapter 13 can give you the peace of mind you deserve.


 All statements made above are correct for the majority of people filing bankruptcy. It should not be considered legal advice for any specific person or situation. If you would like any specific advice in regard to filing bankruptcy or the processes involved for your specific situation, please contact us for a free. We are a debt relief agency and help people file for relief under the Bankruptcy Code.



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