Michigan Bankruptcy Attorney

Chapter 7 Bankruptcy in Michigan

Chapter 7 bankruptcy is a "liquidation" bankruptcy in which you are able to legally discharge your obligation to repay nearly all of your debts without any remaining legal ability of your creditors to pursue you for collections afterward. It is a superior way to walk away from distressed real estate than a short sale or other process that must be negotiated with creditors and can leave you liable for a big tax bill afterward. Even Federal or State of Michigan tax debt can sometimes be discharged with a Chapter 7 bankruptcy.

Michigan Chapter 7 bankruptcy is the quickest way to stop a collection lawsuit, wage or bank account or tax refund garnishment, and harassing collection phone-calls and threats. The moment a Chapter 7 bankruptcy is filed, all such collection attempts must cease, and, if they don't, our bankruptcy attorney will prosecute your creditors for severe sanctions and damages in Federal Bankruptcy Court at no cost to you.

Some debts cannot be discharged in Chapter 7 bankruptcy, and there are some income eligibility standards that you must meet. However, Michigan Bankruptcy Attorney John M. Hilla can help you navigate this complicated process in order to maximize its benefits for you and to help you find the fresh start that you deserve. 

Chapter 13 Bankruptcy in Michigan

Chapter 13 bankruptcy is a "reorganization" bankruptcy in which you participate in a Federal court-enforced repayment plan in order to repay some of what you own on your debts, the balance that is unpaid to be totally discharged just as in a Chapter 7 bankruptcy.

Chapter 13 is the form of bankruptcy available to people who do not meet the income eligibility standards for Chapter 7, but it is also the form of Michigan bankruptcy that can save your home from foreclosure and strip off and totally discharge a second mortgage or home equity lien on your home.

Michigan Chapter 13 bankruptcy can also help you catch up on non-dischargeable tax or child support payments, repaying these debts at 0% interest over a lengthy period of time at a rate that you can actually afford relative to your household income and expenses. A Chapter 13 bankruptcy can also get you some breathing space from non-dischargeable student-loan debt and repay a portion of it at 0% interest.

Michigan bankruptcy attorney John M. Hilla can help you design a Chapter 13 payment plan that truly works for you. 

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Michigan Bankruptcy: Federal Law on a Local Level

Michigan Bankruptcy AttorneyBankruptcy, either Chapter 7 or Chapter 13, is a function of Federal law, but it depends a great deal also on the laws of the state in which an individual case is filed.

Thus, a Chapter 7 filed in Detroit, Flint, Lansing, Ann Arbor, or Grand Rapids is indeed still going to be a Michigan bankruptcy. Questions related to divorce judgments, real estate, wills and trusts and estates, Michigan state tax issues, and even Michigan criminal law can affect the outcome of your bankruptcy case.

Livonia, Michigan bankruptcy attorney John M. Hilla understands that bankruptcy is not a simple “fill out a form” matter. It is a highly complex specialty field that requires full understanding of not only the US Bankruptcy Code and Chapter 7 and Chapter 13 bankruptcy under Federal law but also of varied areas of Michigan state law.

Michigan bankruptcy is 90% or more of what we do. Do not trust your case and your assets to an unlicensed “petition preparer” or even a general practice lawyer dabbling in a dozen or more different practice areas. Michigan bankruptcy requires the full, dedicated focus of an experienced Michigan bankruptcy lawyer.

The Hilla Law Firm, PLLC is located in the Livonia area of Metro Detroit but is happy to meet with clients in their homes or elsewhere locally in nearly every county of southern and mid-Michigan.