Is Chapter 7 Bankruptcy Right for Me ?

If you’re serious about taking control of your financial situation and If you're struggling to catch up on credit cards, medical bills, payday loans and other unsecured debts, filing Chapter 7 bankruptcy may be a good way to take back control of your financial life. You may want to consider filing Chapter 7 bankruptcy if you:

•have minimal property except for the basic necessities like furniture and clothing;
•rent your home or have little equity in your home;
•have difficulty paying your bills;
•have problems making the basic ends meet;
•you are being sued and/or are you facing a wage garnishment;
•you are behind on your credit card bills;
•you are unable to pay your medical bills;
•you are receiving utility shut-off notices;
•you are being harassed by bill collectors at all hours of the day and night;
•stopped opening your mail anticipating another bill;
•cashed in some or all of your savings to pay bills, but the balances are not going down;
•borrowed money from friends and family to pay bills and are now feeling guilty that you can’t pay them back;
•you are making  little or no income; 
•you are making  just the minimum payment on your bills month after month;
•you have little “disposable” income left each month;
•have little money at the end of each month after paying basic living expenses;
•have a lot of unsecured debt like credit cards or medical bills;
•have trouble making ends meet with your income; 
•make less than your state’s median income level; and/or
•make minimal or no income.
If any of those situations sound all too familiar, it may make sense to learn more about filing Chapter 7 bankruptcy

Detroit Location
18551 W. Warren Ave 
Detroit, MI.. 48228
(313) 982-0010 
Southfield Location
24300 Southfield Road, Ste 210
Southfield, MI. 48075
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18551 W. Warren Ave., Detroit, MI. 48228 
Our chapter 7 bankruptcy attorneys in Detroit handle bankruptcy cases in Detroit, Ann Arbor, Allen Park, Albion, Lincoln Park, Brighton, Howell, Saline, Monroe, Blissfield, Romulus, Southgate, Wyandotte, Livonia, Dearborn, Westland, Lansing, Hamtramck, Livonia, Canton, Redford, Lincoln Park, Taylor, East Lansing, Okemos, Warren, Sterling Heights, Roseville, Eastpointe, Battle Creek, Oak Park, Hillsdale, Inkster, Ferndale, Hazel Park, Whitmore Lake, Plymouth, Farmington, Trenton, Flat Rock, Tecumseh, Clinton, Chelsea, Novi, Garden City, Westland, Northville, South Lyon, Milan, Brooklyn, Melvyndale, Ecorse, Belleville, Canton, Wayne County, Ingham County, Washtenaw County, Monroe County, Macomb County, Livingston County, Shiawassee County, Clinton County, Eaton County, Calhoun County, Branch County, Hillsdale. The information contained herein is not legal advice. Any information you submit to us may not be protected by attorney-client privilege. All or some photos shown depict models and may not be actual attorneys or clients. An attorney responsible for the content of this Site is M. Zaher, Esq., licensed in Michigan with offices at 24300 Southfield Rd., Ste 210, Southfield, MI. 48075.  We are expressly disclaim all liability in respect to actions taken or not taken based on any or all the contents of this website. We reserve the right , at our sole discretion, to change, suspend, or discontinue all or any part of this website or the content at any time without prior notice or liability. 

24300 Southfield, Ste 210, Southfiled,  MI.  48075 
How Chapter 7 bankruptcy Works

Chapter 7 bankruptcy, sometimes call a straight bankruptcy is a liquidation proceeding. In a Chapter 7 bankruptcy, the individual is allowed to keep certain exempt property. Most chapter 7 cases are "no-asset" cases, which means that you don't have nonexempt property for the trustee to sell. Eligibility to file Chapter 7 is determined by the means test instituted with the 2005 amendments to the bankruptcy code.

Filing Chapter 7

The case is begun by filing the official petition, schedules and statement of financial affairs. These forms prompt you to list all of your assets and all of your debts, along with some recent financial history. Not all debtors are eligible for Chapter 7 protection

Call (248) 281-6299 for a free consultation with a bankruptcy attorney.

Who is Eligible for a Chapter 7 Bankruptcy?

Under the new bankruptcy law, you are eligible to file for bankruptcy under Chapter 7 if you earn less than the median income in state of Michigan
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