Macomb County Bankruptcy Attorney

The Hilla Law Firm PLLC – Macomb County Bankruptcy Attorney

The mission of The Hilla Law Firm is to provide the highest quality of legal service along with the highest quality of customer service as an Macomb County Bankruptcy Attorney.

Bankruptcy is indeed sometimes a “last ditch resort,” the final option for people who are experiencing increasingly unmanageable debt difficulties. Macomb County is a thriving community of residential, working neighborhoods. In such an area, the idea that a bankruptcy may be a best, even first option is a hard notion to imagine. Sometimes, however, you can wait too long and try too hard to “avoid” bankruptcy.

Here we have outlined different reasons why people file bankruptcy:

Different Types of Bankruptcies

Chapter 7 Bankruptcy in Macomb County

Chapter 7 bankruptcy is the form of personal bankruptcy that most people think of when they hear the word “bankruptcy.” It is otherwise known as a “straight” or “liquidation” bankruptcy because, essentially, it accomplishes one very straightforward end: the liquidation of most of your debt.

Although there are some forms of debt that cannot be discharged by a Chapter 7 bankruptcy, a Chapter 7 will otherwise allow you to walk away from unmanageable debt without the need to repay any of it and without the need to fear ongoing collections attempts by your creditors or even taxable liability a result of the discharge of the debt.

Read More about Chapter 7 Bankruptcy and how an Macomb County Bankruptcy Attorney like John M. Hilla can help you.

Chapter 13 Bankruptcy in Macomb County

Chapter 13 bankruptcy is a “reorganization” bankruptcy rather than a complete liquidation of debt as in a Chapter 7. A Chapter 13 is, basically, a payment plan enforced by the Federal Bankruptcy Court upon all of your creditors, whether the debt is a “dischargeable” debt like a credit card or “non-dischargeable” debt like a child support arrearage or recent income taxes owed. Contrary to popular belief, you are not required to pay back 100% of what you owe to your creditors in a Chapter 13.

Read More about Chapter 13 Bankruptcy and how an Macomb County Bankruptcy Attorney like John M. Hilla can help you.

Macomb County Bankruptcy Rates

Chapter 7 Bankruptcy Rates in Macomb County, Michigan

In most cases, we charge a “flat-fee” for Chapter 7 bankruptcies tailored to your individual circumstances. Our lowest Chapter 7 flat-fee is market consistent for the Detroit area, but the fee may be higher in an individual case if it offers a higher level of complexity, involving issues of corporation ownership, tax debt to be discharged, an ongoing divorce, significant non-exemptible assets, multiple real estate properties, and other issues.

Chapter 13 Bankruptcy Rates in Macomb County, Michigan

Rates for Chapter 13 bankruptcies are not billed as “flat-fees” the way that Chapter 7 bankruptcies are. For Chapter 13 bankruptcies, The Hilla Law Firm bills hourly according to the number of hours required for the cases at Attorney John M. Hilla’s current hourly rate, which is favorably affordable in comparison with many other bankruptcy attorneys in the Detroit Metro area.

Free Initial Consultations

We offer free initial consultations with Macomb County Bankruptcy Attorney John M. Hilla for business-hour appointments in our conveniently located office.

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We are able to service consumers anywhere in Macomb County,  including Hazel Park, Warren, Sterling Heights, Clinton Township, Eastpointe, Centerline, Mount Clemens,  Roseville, Madison Heights, and elsewhere.