Best Bankruptcy Attorneys in Kalamazoo

Frequently Asked Questions

• Where do I file for bankruptcy in Kalamazoo, Michigan?

  The United States Bankruptcy Court has a location in Kalamazoo under its Western District in Michigan found at the US Courthouse & Federal Building, 410 W. Michigan, Room 114, Kalamazoo, MI 49007.

• Where can I get bankruptcy forms in Kalamazoo, Michigan?

  You can get federal and local bankruptcy forms from the United States Bankruptcy Court Western District of Michigan's website at https://www.miwb.uscourts.gov/forms/all-forms.

• What forms of documentation are necessary to file for bankruptcy in Kalamazoo?

  In Kalamazoo, as a general rule, you should prepare financial and ownership documents, such as up to two years worth of tax documentation, proof of income, and vehicle or land titles. Legal counsel may also request you to provide them with any bills you have on hand and can assist in pulling your credit information online.

• Is your workplace allowed to lower your salary after you file for bankruptcy in Kalamazoo?

  No, your workplace is not allowed to lower your salary after you file for bankruptcy in Kalamazoo. It is against applicable laws in Kalamazoo for your workplace or employers to take discriminatory acts, such as removing you from certain work responsibilities or firing you because you filed for bankruptcy.

• Do you have to sell your car if you file for bankruptcy in Kalamazoo?

  You may not need to sell your car during the bankruptcy process in Kalamazoo if its value is covered by state and federal exemption thresholds, namely up to $4,450 in equity under current state thresholds and up to $19,875 in equity if applying various federal thresholds. If your car's value is above these thresholds, you may still work with an attorney to find a legal option to keep your car during the bankruptcy process.

• Do you need to have a certain amount of debt to file for bankruptcy in Kalamazoo?

  There is no minimum amount of debt required to file for bankruptcy in Kalamazoo. You still need to qualify for the bankruptcy option you chose, such as the state median income requirement and mandatory credit counseling course in chapter 7 bankruptcies or the maximum debt threshold in chapter 13 bankruptcies.

• Can you still take out loans after filing for bankruptcy in Kalamazoo?

  Yes, though usually, you must wait for some time after filing for bankruptcy before you can take out a loan. For example, you can generally get a car loan about two years after a chapter 7 bankruptcy and a mortgage roughly three to four years after a chapter 13 bankruptcy.