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Best Bankruptcy Attorneys in Dearborn

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Bishop Law Offices logo
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Bishop Law Offices

24405 Gratiot Avenue, Eastpointe, MI 48021
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Bishop Law Offices is a bankruptcy law firm that protects the rights of clients in Dearborn, Eastpointe, Port Huron, Taylor, Sterling Heights, Ann Arbor, and Monroe. The lawyers at the firm have more than three decades of collective experience in handling chapter 7 and chapter 13 bankruptcy cases. Founding lawyer Robert W. Bishop was one of the speakers at the 2011 Detroit Consumer Bankruptcy Conference. He is a member of the National Association of Consumer Bankruptcy Attorneys.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Avvo
5.0 / 5 (55)
Facebook
5.0 / 5 (8)
Yelp
5.0 / 5 (5)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Fairmax Law logo
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Fairmax Law

1 Park Lane Boulevard, Dearborn, MI 48126
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  • Debt Settlement

Business Description

Fairmax Law is a Dearborn private practice that counsels clients seeking either chapter 7 or 13 bankruptcy protection. The firm is headed by bankruptcy lawyer Michael Jaafar, who has been practicing in the field for over 10 years. The legal office has its own three-step debt liberation system: the decisions step, where the client chooses the right bankruptcy filing or avoidance; the fight step, where the asset protection strategy is implemented; and the recover step, which monitors the client's credit score over 24 months.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (306)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Detail
Joseph L. Grima & Associates P.C. logo
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Joseph L. Grima & Associates P.C.

18232 Mack Avenue, Grosse Pointe Farms, MI 48236
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Joseph L. Grima & Associates P.C. is a bankruptcy law firm that caters to Dearborn area residents seeking legal protections for Chapter 7 and Chapter 13 bankruptcies. Based in Grosse Pointe Farms, the firm provides legal representation throughout the bankruptcy filing process including liquidation and debt elimination activities. Joseph L. Grima & Associates also assists high-earning clients looking to enter debt repayment programs and prevent foreclosures and repossessions. The firm was founded in 1991 by Joseph L. Grima who has experience obtaining major settlements for chapter 13 cases.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (90)
Facebook
5.0 / 5 (2)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Detail
Law Office of Marshall D. Schultz logo
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Law Office of Marshall D. Schultz

29777 Telegraph Rd, Ste 2203, Southfield, MI 48034
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Law Office of Marshall D. Schultz is a bankruptcy law firm that offers legal counsel to residents in Dearborn, Southfield, and the surrounding Michigan communities. The firm offers the collective experience of lawyers Marshall D. Schultz and Amy K Trainor, who are both knowledgeable in bankruptcy cases involving chapter 7 and chapter 13 of the Bankruptcy Code. Its lawyers share 50 years of combined experience, giving them the insight needed to help clients decide between bankruptcy and non-bankruptcy options.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (63)
Avvo
5.0 / 5 (7)
Facebook
4.0 / 5 (4)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Detail
Law Offices of R Thomas Bidari, P.C. logo
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Law Offices of R Thomas Bidari, P.C.

204 Oak Street, Wyandotte, MI 48192
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

Serving the Dearborn area, Law Offices of R Thomas Bidari, P.C. is a full-service legal firm that practices in a number of areas, including bankruptcy law. The company is headed by R. Thomas Bidari. The bankruptcy lawyer guides clients in deciding whether to file for bankruptcy. If it's determined that a client's best option is bankruptcy, he handles chapter 7 filings on debtors' behalf, securing the discharging of debts.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.5 / 5 (182)
Facebook
4.5 / 5 (57)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Detail
Shimek Law Firm, PLLC logo
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Shimek Law Firm, PLLC

20300 Superior Road, Taylor, MI 48180
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Shimek Law Firm provides legal representation in chapters 7 and 13 bankruptcy cases. Its owner, Kory K. Shimek, established the firm in 2014 and has taken care of hundreds of cases for clients near Dearborn. The bankruptcy attorney helps individuals and businesses acquire protection from creditors through bankruptcy filings. He works closely with clients to ensure that their credit card debts, personal loans, utility bills, and medical bills will be discharged and a repayment plan can be set.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.6 / 5 (75)
Facebook
5.0 / 5 (13)
Yelp
4.5 / 5 (3)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Staver & Anderson, P.C. logo
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Staver & Anderson, P.C.

20300 Superior Road, Taylor, MI 48180
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  • Chapter 7 Bankruptcy
  • Credit Card Debt

Business Description

Located near Dearborn, Staver & Anderson P.C. has been practicing bankruptcy law for more than 30 years. The seasoned bankruptcy lawyers at this firm offer debt relief solutions to individuals struggling with overwhelming debts and harassment from credit collectors. They represent clients in chapter 7 bankruptcy cases, assisting them in filing and getting some of their debts discharged. They also protect clients from wage garnishments and mortgage foreclosures and assist with debt consolidation and bankruptcy alternatives.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (8)
Yelp
5.0 / 5 (7)
Avvo
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Dragich Law Firm logo
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The Dragich Law Firm

17000 Kercheval Avenue, Grosse Pointe, MI 48230
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  • Debt Settlement

Business Description

The Dragich Law Firm is a three-attorney company that serves the Dearborn area. Included in its practice areas is bankruptcy. Its team of bankruptcy lawyers provides legal representation to creditors, debtors, trustees, and equity holders in bankruptcy proceedings. The legal office advocates for the rights of individual and business creditors in the automotive industry by assisting them with bankruptcies, foreclosures, and collection actions. David G. Dragich, one of the firm's lawyers, has represented chapter 11 and 7 trustees and creditors.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

What does a bankruptcy attorney do?

Bankruptcy attorneys help clients understand whether they qualify for bankruptcy and what their best options are. They also prepare and file petitions, answer questions during the proceedings, and educate clients about potential best steps for a positive bankruptcy outcome. Bankruptcy attorneys might also file motions or paperwork if creditors dispute the bankruptcy, or to stop creditors from taking collections actions forbidden by the bankruptcy.

What happens when you file bankruptcy?

Bankruptcy is a formal process that individuals, married couples, or businesses can enact when they are no longer able to pay creditors. In a bankruptcy proceeding, filers are allowed to reduce debt to more manageable levels to best pay off money owed.

Once the bankruptcy process is initiated, debt collectors can no longer seek repayments outside of the arrangements detailed in the bankruptcy settlement. Some forms of bankruptcy result in the liquidation of assets to pay back debts, while others allow filers to retain most of their possessions and investments. Many types of unsecured debt can be managed with bankruptcy filings, but not all.

Can you file bankruptcy on student loans?

Under most circumstances, student loans aren't dischargeable and aren't included in bankruptcy proceedings. In rare cases, it may be possible to eliminate student loans through bankruptcy, but only if the courts determine that continuing to pay the loans would impose an undue hardship. Meeting the criteria for undue hardship is challenging, and most bankruptcy filers don't qualify.

What is bankruptcy fraud?

Bankruptcy fraud is a blanket term that refers to any kind of dishonest bankruptcy proceeding, which can include:

  • Hiding assets by transferring them to another person or entity
  • Intentionally omitting assets when reporting to the court
  • Destroying or withholding required documents
  • Knowingly making false statements to bankruptcy trustees or creditors

How long is bankruptcy on public record?

How long bankruptcy stays on public record depends on the kind of bankruptcy filing in question. Chapter 7 bankruptcy remains on the record for 10 years as there isn't necessarily a repayment component. Chapter 13 bankruptcy remains on the record for seven years as some obligations are repaid following filing based on the terms of a discharge settlement.

Does bankruptcy clear tax debt?

Bankruptcy can clear tax debt, depending on the circumstances. Taxes are dischargeable under Chapter 7 bankruptcy, not Chapter 13, and only if the tax debt is:

  • Federal income tax debt related to current properly filed tax returns
  • Honestly incurred with no fraud or evasion
  • At least three years old
  • Assessed at least 240 days before bankruptcy filings

Existing liens are not eliminated with bankruptcy.


Can they take my car in Chapter 7 bankruptcy?

In many cases, it's possible to keep a vehicle following Chapter 7 bankruptcy. The Chapter 7 Motor Vehicle Exemption allows filers who own their vehicles outright or who are up to date with payments to keep their cars. However, those behind on making car payments are required to arrange a repayment plan. Otherwise, the vehicle may be repossessed as a part of the proceedings.

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.

Can anyone file bankruptcy?

Anyone can file bankruptcy, but there are limitations regarding which form of bankruptcy is permissible. Qualifying for Chapter 7 requires a means test that evaluates income, debt levels, and income left over each month after paying basic obligations. Income over the median set by the court and monthly income that allows meaningful payments toward unsecured debt can disqualify filers from Chapter 7, which is generally the preferred form of bankruptcy due to the possibility of a full discharge. Anyone can file Chapter 13 bankruptcy, but the terms are less favorable. In most cases, some debts must be repaid following a successful filing. Chapter 13 is also more likely to result in asset forfeiture.

How will bankruptcy affect my credit score?

Bankruptcies are noted on credit reports. How much a bankruptcy might drop a person's credit score depends on how high the score was to begin with, but generally speaking, the hit can be as much as 100 to 200 points. Often scores are already dropping because people filing for bankruptcy may have already missed payments on debts. Chapter 13 bankruptcies are listed on credit reports for seven years from the filing date, while Chapter 7 bankruptcies are listed for 10 years from the filing date. This is because Chapter 13 bankruptcies require at least partial payment of debts owed.

What are the benefits of filing for bankruptcy?

Filing a bankruptcy petition causes an automatic stay. This legally stops creditors from taking further action to collect debt, including garnishing wages or foreclosing on property. Going through a bankruptcy successfully means that debts included in the bankruptcy are discharged and don't have to be paid back, except as provided in a Chapter 13 repayment plan. Bankruptcy can help someone recover from financial duress so they can make better decisions and improve financial situations in the future. Disadvantages can include temporary lower credit scores and limitations on spending and financing.

What's the difference between debt settlement and bankruptcy?

Debt settlement occurs when people negotiate with individual creditors. The creditor agrees to take a payment that's lower than what someone owes and call the debt “paid in full.” Bankruptcy is a legal process that causes debts to be dismissed after someone proves they don't currently have the means to pay their debts as owed. Typically, someone can't enter into bankruptcy and also settle some debts, because the court would see that as favoring one creditor over another.

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