How To Prepare For Your Initial Consultation
Prepare for your consultation by writing down notes of your understanding of the case, jot down questions and concerns for the attorney, and gather your documents. Remember that you are trying to get a sense of whether the attorney has your trust and can help you address your legal issues. Questions should include how the attorney intends to resolve your issue, how many years he/she has been practicing law and specifically practicing in your area, as well as how many cases similar to yours the attorney has handled. It can also be helpful to broach the subject of fees so that you understand the likely cost and structure of your representation by a specific attorney and/or legal team.
Chapter 13 Bankruptcy Stops Foreclosure Immediately
If your home is currently in foreclosure, a Chapter 13 bankruptcy filing will stop it and allow you to catch up on your mortgage through the Chapter 13 plan. The mortgage company may not foreclose while in Chapter 13. Bankruptcy Lawyer John Hicks will carefully walk you through the process, and he will help you understand your rights and obligations with the mortgage company.
Flint Chapter 7 Bankruptcy
It tends to be that the only time you ask yourself “what is chapter 7 bankruptcy?” is when you are currently dealing with deciding if filing for chapter 7 is the best choice for your debts.
Chapter 7 bankruptcy is sometimes called “Liquidation Bankruptcy” and that is because it allows you to entirely erase forms of dischargeable debts with the benefit of retaining some of your personal property.
Dischargeable debts include:
Dischargeable debts are different from non-dischargeable debts like child support, and secured debts.
A secured debt is a form of debt that has a tangible item attached to its agreement, such as a car loan or a mortgage . And one of the positives regarding chapter 7 filing is you are usually allowed to keep said assets, so you are not left without a car or a home after this usually Quick Legal Process is complete.
If you are simply unable to pay back certain debts that you owe in your lifetime, then consulting with a chapter 7 bankruptcy lawyer will showcase to you the best path for Long Term Credit Improvement and debt elimination through our assistance in your chapter 7 case.
There are certain qualifications to reach chapter 7 eligibility, including a test that you must take, as well as many Chapter 7 Exemptions that help you to keep your personal property after you have filed for bankruptcy, so to best ensure that you’re well being is protected, call us now for a chapter 7 lawyer consultation.
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Common Legal Terms Explained
Personal jurisdiction Requirement that a particular court have authority over a person, in order to bind that person to the judgment of the court, based on minimum contacts. International Shoe Co v. Washington is a landmark Supreme Court case outlining the scope of a state courts reach in personal jurisdiction.
How Do You File Bankruptcy Without An Attorney
Its possible to file bankruptcy without a lawyers help but consider the pros and cons before you do. The Administrative Office of the U.S. Courts strongly recommends you get advice from an attorney because of the long-term financial and legal outcomes.
You can find bankruptcy attorneys near you on Thumbtack. Start searching and comparing potential lawyers to hire.
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Bankruptcy Attorneys In Flint Mi
For residents located in Flint, Michigan, that are struggling with debt, just know that there is a way out. Financial setbacks can happen to anyone. Whether youre in debt due to an unexpected illness, divorce, accident, loss of work, poor financial planning, or another reason, bankruptcy can provide a fresh start to your finances. For residents looking for an experienced Flint bankruptcy attorney, Moran Law provides the legal expertise to help them through the Michigan bankruptcy process. We specialize in bankruptcy, including chapter 7, chapter 13stopping wage garnishment, and other areas of debt.
Our bankruptcy attorneys help Flint residents struggling with debt by working with you via video chat or phone. Weve helped over 9,000 Michigan residents state-wide, including Flint and surrounding areas. Schedule a free virtual consultation today – we look forward to speaking with you.
What Can I Do If I Cant Afford A Bankruptcy Lawyer
If youthink you should file for bankruptcybut canât afford an attorney, you still have options.
There are nonprofit and legal aid organizations around Flint that are able to provide free legal help to MI residents.
These organizations may have different requirements to use their service. Itâs important that you meet the requirements.
If youâre eligible, they can usually provide free legal representation or assist you in filing on your own.
Locating the service that can best help you is the first step to getting a fresh start.
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Moran Laws 100% Money
100% of your money will be returned to you if an error on our part causes the court to decline your bankruptcy filing. This includes your filing fee.
Let us help you become debt-free and move forward.
Our Flint bankruptcy lawyers are ready to help you.Fill in the form and we will call you back as soon as possible.
Benefits Of Chapter 13 Bankruptcy
Chapter 13 is a debt repayment plan. It allows you to consolidate your debts and make one payment for it all over a three-to-five-year period. You can discharge debts like you would in a Chapter 7 bankruptcy, such as credit cards, medical bills, and other unsecured debts.
Chapter 13 bankruptcy is sometimes called a Wage Earner Plan because you must either be working or have consistent income to qualify. Flint Bankruptcy Attorney John Hicks will help you decide the best option for you and walk you through every step of the bankruptcy process.
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Give You Peace Of Mind
Burdensome debts can feel like going down a rabbit hole with no end in sight. At Gudeman & Associates, P.C., we know how stressful it is to be weighed down by debts. As such, apart from assisting you with the technical aspect of bankruptcy, well work relentlessly to make the whole process hassle-free. Well guide you on what to do to either qualify for Chapter 7 or Chapter 13. Well also redirect all calls from collections to us so that you no longer have to deal with them. Our aim is to give you the financial freedom you seek.
When Bankruptcy Happens To Good People In Flint Michigan
At the Flint Bankruptcy Law Office of George E. Jacobs & Associates, our experienced attorneys George Jacobs and Leo J. Foley, Jr. will work with you from the beginning to the end of the bankruptcy process. Whether you are considering filing for bankruptcy or are just concerned about debt relief and credit repair, our dedicated team is ready to advise you and advocate in your behalf.
We are a hands-on law firm. You will always speak directly with a lawyer. We make a point of being responsive, often seeing clients on short notice. We always return your phone calls and answer your questions. Our knowledgeable and friendly staff is also here to assist you.
Our Flint bankruptcy lawyers meet with you for a free consultation, listen to your concerns and problems, and arrive at an effective solution to your legal or financial difficulties. We understand that making ends meet is a concern of anyone considering bankruptcy, and we are committed to working out payment plans for your legal fees.
Our goal is always to put you in a better position to overcome your financial difficulties, and to help you move past this tough time in your life as quickly as possible. The Flint bankruptcy lawyers at our firm can assist you with both Chapter 7 and Chapter 13 bankruptcy cases. In advance of your visit to our office, please peruse these frequently asked questions.
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How Bad Is It To File Bankruptcy Twice
Although possible, due to the damaging nature of bankruptcy, filing bankruptcy more than once isn’t recommended. Filing multiple times puts a serious burden on one’s credit report, making it harder to get a loan, buy a house, buy a car, or even open credit cards.
Note that filing for bankruptcy isn’t something that can be done at a filer’s leisure. There are time limits following bankruptcy cases that dictate when it’s permissible to file again. For example, after Chapter 7 bankruptcy, filers must wait at least eight years before filing Chapter 7 again or four years before filing Chapter 13.
Filing For Chapter 7 Bankruptcy
John L. Hicks & Associates offers remote legal assistance, payment options and support for Chapter 7 bankruptcy. When debt has increased over time and become impossible to pay back, Chapter 7 allows your debts to be wiped out within a few months, pending court approval. This bankruptcy procedure focuses on complete liquidation of outstanding debts and frees you from worrying about bills, foreclosure or wage garnishment until you can figure out your course of action with your attorney.
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Bankruptcy Lawyers In Flint Michigan
There are many bankruptcy lawyers in Flint, Michigan, but which one is the best? Below are a few to consider. Fairfax Law, Erwin F. Meiers III PC Attorney at Law, and David W. Brown PLLC are just a few. If youre looking for a specific attorney, consider using the LII Lawyer Directory to find a listing of lawyers that are actively seeking new clients.
Contact Our Flint Office For A Free Bankruptcy Consultation
At the Bankruptcy Law Office of George E. Jacobs & Associates in Flint, Michigan, we can review your financial situation and give you detailed advice on how to use the bankruptcy system to your best advantage. Call our office at 810-275-0608 or contact us online to set up a free initial consultation. We look forward to working with you.
What can bankruptcy do for me?
Bankruptcy can stop debt collections, repossessions, foreclosures and services interruptions. It can provide you with a fresh start by discharging certain debts and allowing you to catch up on missed payments and overdue bills within a reasonable time frame. The bankruptcy process can even help you improve your credit once debts have been discharged or paid down. The process can give debtors the reboot they need to focus on moving forward and improving their financial standing.
What is a Chapter 7 bankruptcy?
A Chapter 7 bankruptcy is called a liquidation because it calls for sale of a debtors assets to pay off creditors, except for assets found to be exempt. A Chapter 7 discharge means you are not required to pay back most of your debts. For debtors with modest incomes and few nonexempt assets, Chapter 7 can be the most effective way to get a fresh financial start. However, it may be not right for debtors who own a lot of nonexempt, valuable property they wish to retain.
What is a Chapter 13 bankruptcy?
What will happen to my home and car if I file bankruptcy?
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Does Firm Size Matter
For most consumer legal issues, the size of the practice is much less important than the experience, competence, and reputation of the attorney handling your case. Among the most important factors when choosing an attorney are your comfort level with the attorney or practice and the attorneys track record in bringing about quick, successful resolutions to cases similar to yours.
Do You Qualify For Chapter 7 Personal Bankruptcy
A Chapter 7 personal bankruptcy filing is also known as liquidation bankruptcy. The means test determines if you qualify by looking at your income and debt. Although Chapter 7 bankruptcy discharges some of your debts, it doesnt eliminate all debt. Contact a Flint attorney to determine if you are eligible for Chapter 7.
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Years Of Bankruptcy Experience
Dealing with debt is stressful, so its important to have the best possible bankruptcy attorney on your side. John personally guides his clients through the process, so they know exactly what to expect. His decades of experience in bankruptcy law means youll have a trustworthy advocate on your side throughout the process. You can trust John will do his best to ensure a fresh start for you and your loved ones.
File Chapter 7 With Experienced And Personable Bankruptcy Attorneys
John L. Hicks & Associates has helped thousands of people get fast and effective financial relief. With over 20 years of experience, Michigan bankruptcy lawyer John Hicks works to get his clients immediate help.Whether your credit card debt is too much to handle, your utilities are being shut off, your car is being repossessed, or youre facing repossession or foreclosure, a Chapter 7 bankruptcy could help you get a fresh start. John will help you understand your options with a five-minute phone conversation. Request your no-cost consultation today.
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Our Bankruptcy Lagal Team Is There To Help With Bankruptcy Litigation Foreign Insolvency And Debt Restructuring In Flint
Personal to you and your situation, which then requires a specialized and unique approach at choosing if filing for bankruptcy is right for you, and navigating the many questions that may arise regarding chapter 7 or chapter 13 cases.
Our professional team of bankruptcy lawyers in Flint with a track record of sheer success is here to add a human touch to approaching, reducing, and eliminating any debts that you or your corporation may have under the Bankruptcy Circumstances specific to your case.
Bankruptcy is extremely intricate, as well are the differing bankruptcy laws and local bankruptcy court rules, and choosing to work with a bankruptcy lawyer will help to settle your Chapter 7 or Chapter 13 Filing in a manner that not only reduces the stress of the situation, but that leads to only the positive results you need to efficiently move past your bankruptcy.
Bankruptcy Stops Creditor Harassment
Are creditors calling you constantly? While in a Chapter 13 debt repayment plan, creditors cant collect from you. And theyre required by a Federal Court order to adhere the terms of the Chapter 13 bankruptcy plan. Bankruptcy Lawyer John Hicks will ensure you can be worry-free by taking action against any creditors that attempt to contact you while in Chapter 13.
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How Do You Find A Bankruptcy Attorney
Youll need to conduct a little bit of research to find the best bankruptcy lawyer for your situation. Start by pulling up a list of attorneys near you. Identify a few lawyers who have high ratings, mostly positive customer reviews and the required credentials in your state.
Once you have a list of three to five potential attorneys you can hire, figure out how much they charge. Ask for a free cost estimate and ask them to explain their fee schedule. Choose an attorney with a solid track record and reputation, fair pricing and the right credentials.
Avoid Car Repossession With Bankruptcy
Filing for bankruptcy will stop car repossession and allow you to resume affordable payments to keep your vehicle. If your car was recently repossessed John can force the lender to return the vehicle. Call John to find out how you can save your vehicle while eliminating your other debts in bankruptcy.
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End Credit Card Harassment With Bankruptcy
Debt can be difficult enough to deal with without having to worry about the calls, messages and reminders that youre behind on payments. If creditors are bothering you at work, harassing your family, or calling at all hours, call Michigan bankruptcy lawyer John L. Hicks today. Filing for bankruptcy puts an automatic stay on all contact between your creditor and you. Stopping bill collectors from harassing you can be easily accomplished with the help of an experienced bankruptcy attorney like John L. Hicks.
Eliminate Second Mortgages And Equity Lines With Chapter 13 Bankruptcy
A loan modification on your first mortgage can also be obtained during the Chapter 13 bankruptcy filing. Second mortgages and equity lines can sometimes be eliminated as an unsecured claim if the value of your home is less than whats owed on your first mortgage.
At the end of your Chapter 13 repayment plan, the second mortgage or equity line can be discharged so the value of your home will be closer to what you actually owe. Chapter 13 Bankruptcy Lawyer John will guide you to ensure you receive the best options for your financial well-being.
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Exceptions To The Legal Aid Requirements
Itâs possible that you can be eligible to get help from legal aid even if you donât meet any of the above requirements.
This usually happens if youâre amember of a certain group of people. For example, legal aid often have specific services for militaryveterans, senior citizens, or if you are living with certain medical conditions.
The best way to find out whether you can get help is to just call and speak to someone directly.
Filing For Chapter 13 Bankruptcy
For those who are behind on house or car payments and have a regular income, Chapter 13 bankruptcy is often a good option. Chapter 13 is focused on consolidation of your secured debt with the goal of having one, affordable monthly payment. John understands tragic accidents, surprises and traumatic circumstances can put hardworking people in deep debt, and he can help you file for bankruptcy with the hope of maintaining your home or car while eliminating other, unsecured debts in the Chapter 13 process.
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