Michigan Bankruptcy Attorneys

Choosing a Bankruptcy Lawyer in Michigan

Detroit Chapter 7 and Chapter 13 Consumer Bankruptcy Filings

Board Certified Consumer Bankruptcy Specialist Walter Metzen

American Board of Bankruptcy Certification

Bankruptcy Law in Michigan

Bankruptcy is a Right and a Privilege provided to you
by the United States Constitution

 

The bankruptcy laws are there for a reason. On the whole, they benefit both the debtors and creditors. It is of course important to be responsible for the debts you incur, but filing a bankruptcy IS an act of responsibility. It puts you in a position to move forward, to become productive once again, provides closure, and pays your creditors from your non-exempt assets (or by other means if the court so approves in a Chapter 13 or 11 context).

It is important to seriously explore bankruptcy as an alternative to struggling for years to no avail. There are many factors to consider before filing a bankruptcy, but one of them should not be a guilty conscience.

Detroit Bankruptcy Lawyer.com Attorney Walter Metzen Bankruptcy Law Office is conveniently located just one block from the United States Bankruptcy Court in Detroit Michigan. Suite 3156 Penobscot Bldg., Detroit MI 48226. The US Bankruptcy Court for the entire Metro Detroit area is located at 211 West Fort Street, Detroit Michigan 48226. Call 313-962-4656 or 888-Debt-Gone for a Free Consultation. Recognize any of these Warning Signs?

Warning Signs. In assessing whether or not you should seek some kind of debt relief, consider the following questions:

  • Do you ever use one form of credit, such as a credit card or debt consolidation loan, to make payments on other debt? Or to put it in Biblical terms "Robbing Peter to Pay Paul"?
  • Have you taken one or more cash advances greater than $500 in the past few months to pay living expenses such as everyday utility bills or even groceries?
  • Do you ever borrow from friends or family to meet regular expenses, such as food and utility bills?
  • Can you barely make the minimum required payment on credit cards or other debts?
  • Are you receiving harassing calls or letters from creditors or collection agencies?
  • Are you being sued (summons and complaint), or are your creditors threatening to sue you?
  • Are your wages being garnished, or are your creditors threatening a garnishment?
  • Are your financial problems impacting your health or relationships due to stress?
  • Do you owe two months salary or more on your credit cards?
  • Are you using one-quarter or more of your take-home income to pay credit card bills and personal loans (excluding mortgage payments)?
  • Are your revolving credit cards charged to the limit or maxed out?
  • Have you bounced more than one check in the past year?
  • Are you without cash reserves for a rainy day or emergency?
  • Are you behind on house (mortgage or rent) or auto payments?
  • Are your creditors threatening to take your car, house, or other property (foreclosure or repossession)?
  • Are you behind on your taxes or do you owe the IRS, State of Michigan or City of Detroit?

If you answered "yes" to one or more of the preceding questions, you should consider seeking some form of debt relief. Bankruptcy, of course, offers very effective debt relief, but there are possible alternatives to filing bankruptcy which shall be covered below.

 

 

Bankruptcy Basics - For Cases Filed on or after October 17, 2005 (pdf)
Bankruptcy Basics - For Cases Filed before October 17, 2005 (pdf)


   
Contact me, Detroit bankruptcy lawyer Walter Metzen today to schedule your free initial consultation. I also offer clients flexible appointment times and same day appointments if necessary. Get in touch with me today to learn how filing bankruptcy may be beneficial for you and your family. Why should you hire a Board Certified Bankruptcy Specialist? Click Here. My office has handled over 10,000 bankruptcy cases in Michigan and will apply this experience to your case as well. My office prides itself on fast, detailed, personal service. There are many different aspects to a bankruptcy case. Some of the different aspects are listed on the links below for you to explore. If you have any questions while exploring this site or would like a free personal bankruptcy consultation, contact my office at (313) 962-4656 or toll free 888-777-FILE.

 Contact me, bankruptcy attorney Walter Metzen to learn more about how I can help you get a Fresh Financial Start!.

 Be sure to Obtain a copy of your Credit Report after your Michigan Bankruptcy Filing and check it for Mistakes.

Contact me, bankruptcy attorney Walter Metzen to learn more about how the new Chapter 7 bankruptcy law may affect your case. I offer a free initial consultation so we can discuss your case personally.

We are a Debt Relief Agency helping people file for bankruptcy relief under the Bankruptcy Code. Let us help you decide if bankruptcy is right for you.

Bankruptcy attorney Walter Metzen represents clients throughout Southeast Michigan, including the communities of Detroit, Southfield, Warren, Roseville, Farmington Hills, Ann Arbor, Belleville, Canton, Clinton Township, Dearborn, Dearborn Heights, Hamtramck, Highland Park, Holland, Howell, Lincoln Park, Livonia, Macomb, Northville, Plymouth, Port Huron, Redford, Rochester, Saginaw, Southfield, Sterling Heights, Taylor, Trenton, Troy, Westland, Wyandotte, Ypsilanti, Mount Clemens, Howell, Oakland County, Macomb County, Wayne County, Washtenaw County, Livingston County, and all of the surrounding areas.

 


 

 

 

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Walter Metzen
645 Griswold, Suite 3156
Penobscot Building
Detroit MI 48226
Map & Directions

Phone:(313) 962-4656
Fax:(313) 962-4241
Email: 8884walter@sbcglobal.net
Toll Free(888) 777-FILE
 (888) 4WALTER
Michigan Board Certified Consumer Bankruptcy Specialist Walter Mezen, American Board of Certification American Bankruptcy Institute 313-962-4656 Toll Free: 888-777-FILE