Find Financial Relief Through Chapter 7 Bankruptcy

Everyone's life has its ups and downs. Most likely, you have come to this website because you are experiencing one of the downs. Now is the time to clean house and get rid of your debts. Life will turn around, and you don't want the extra weight behind you when it does.

Bankruptcy is one giant step toward a better future. This is particularly true if you qualify for Chapter 7 bankruptcy, which allows you to eliminate your debts and start anew. For more than 25 years, I have helped clients in Grand Rapids and throughout Western Michigan take this step forward, shedding upside-down cars, saving their homes, stopping creditor harassment and, perhaps most importantly, finding peace of mind.

Picking out a lawyer is like picking out a goldfish. We all look the same until you get to know us. That is why I encourage you to call 616-259-4328 and set up a no-risk, confidential and free appointment. During our meeting, we will learn about each other and discuss your options. If you leave that meeting feeling a bit better, I have done my job.

Can I Pay For Chapter 7?

There are ways to pay for the bankruptcy filing and the help of an experienced attorney, such as recovering preferential garnishments. If your wages have been garnished by more than $600 in the 90 days before your filing date, we can often get that money back and use it to pay for bankruptcy.

I can discuss your payment options and exactly how much your bankruptcy will cost during our free consultation.

Will Personal Bankruptcy Damage My Credit?

People often wait to file for bankruptcy because they are worried that it will destroy their credit. Have you allowed months — even years — of credit card debt to build up? Have you missed paying numerous bills? If so, your credit score is probably dropping like a stone in the water. Bankruptcy will put a temporary mark on your record, but the mark will likely not last as long as the mark from numerous missed payments and other complications that comes with financial challenges.

In fact, even though Chapter 7 bankruptcy can stay on your credit report for 10 years, dozens and dozens of my clients have been able to get home mortgages after only two and a half to three years.

How Do I Know If I Qualify For Chapter 7?

There has been a lot of talk about qualifying for Chapter 7 bankruptcy since the law changed in 2005. The truth is that many people still qualify. There is a formula, called the Chapter 7 means test, which looks at your disposable income and debts. During our free consultation, we can discuss your financial situation and determine whether Chapter 7 makes sense for you and your family.

Contact me online to discuss your future financial freedom in a confidential and casual setting.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.