Royal Oak Bankruptcy Lawyer – The Hilla Law Firm, PLLC: A Michigan Bankruptcy Law Firm
Royal Oak Bankruptcy Lawyer: It is the mission of The Hilla Law Firm, PLLC to provide the highest quality of legal service as well as the highest quality of customer service as a Michigan Bankruptcy Law Firm.
Royal Oak, Michigan is an artistic and cultural centerpiece of the Detroit Metro area, but even Royal Oak residents can benefit from an examination of their options in Chapter 7 or Chapter 13 bankruptcy.
In particular, a Chapter 13 bankruptcy can help you save your from foreclosure, or even strip off and get rid of second mortgages and HELOC loans.
What Are the Benefits of a Chapter 7 or Chapter 13 Bankruptcy Filing with the Royal Oak Bankruptcy Attorneys of The Hilla Law Firm?
- Stop wage and bank garnishments
- Stop a foreclosure of your home
- Stop Collector Harassment & Lawsuits
- Save your credit report & credit score
- Discharge Unmanageable Medical Debt
- Get Out of an Unaffordable Lease
- Simplify or Recover from a Divorce
- Discharge or Pay Off IRS or State Tax Debt at 0% Interest
- Cure Deficient Child & Spousal Support Payments
- Get back a vehicle that has been repossessed or seized
Different Types of Bankruptcies
Chapter 7 Bankruptcy in Michigan
A Chapter 7 bankruptcy is 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 can’t be discharged by a Chapter 7 bankruptcy, Chapter 7 will otherwise allow you to walk away from unmanageable debt without the need to repay any of it, immunity from future collections actions, 0% interest or taxable liability.
Chapter 13 Bankruptcy in Michigan
Chapter 13 bankruptcy is a “reorganization” bankruptcy, a payment plan in which you repay your creditor something back to them according to your actual ability to pay, after necessary household expenses are taken into account. A Chapter 13 payment plan is enforced by the Federal Bankruptcy Court upon all of your creditors, and, for most debts, you pay only what you can afford to pay over a specific period of time—and then the balance is discharged the same as it is in a Chapter 7 bankruptcy.
Michigan Bankruptcy Rates for Royal Oak Residents
Chapter 7 Bankruptcy Rates for Royal Oak, 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 for Royal Oak, 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.
Read more about our Michigan bankruptcy rates and fees.
Free Initial Consultations
We offer free initial consultations with Royal Oak Bankruptcy Lawyer John M. Hilla for business-hour appointments in our conveniently located Southfield office.
17376 W. 12 Mile Road, Suite 204, Southfield, MI 48076 > Get Directions
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