Expertise.com

Best Bankruptcy Attorneys in Troy

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Bankruptcy Attorneys FAQs

Learn more
Hensel Law Office, PLLC logo
Visit WebsiteWebsite

Hensel Law Office, PLLC

36250 Dequindre Road, Sterling Heights, MI 48310
Visit WebsiteWebsite
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Hensel Law Office, PLLC is a law company in Sterling Heights that also serves clients in the Troy metro area. Its team of attorneys practices exclusively in the area of bankruptcy law. The firm's list of bankruptcy services includes chapter 7 and chapter 13 representations, collection defense, debt relief, foreclosure defense, and property exemptions. The attorneys at Hensel Law Office, PLLC also resolve joint bankruptcy cases and assist clients in restoring their credit scores.

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 (231)
Google
4.9 / 5 (57)
Yelp
5.0 / 5 (3)

(+1 additional source)

Hermiz Law logo
Visit WebsiteWebsite

Hermiz Law

44488 Mound Road, Sterling Heights, MI 48314
Visit WebsiteWebsite
  • Debt Settlement

Business Description

Hermiz Law provides legal assistance to Troy and nearby communities. The company's bankruptcy attorneys can help clients file chapter 7 liquidation to eliminate medical bills and credit card debts, save homes from foreclosures and vehicles from repossessions, and create a fresh financial start. Its professionals also handle criminal defense, real estate, and family law cases. Founding attorney Madana M. Hermiz was recognized by the New York Times as one of Michigan's top attorneys in 2013.

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 (14)

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
Jacob & Weingarten logo
Visit WebsiteWebsite

Jacob & Weingarten

25800 Northwestern Highway, Southfield, MI 48075
Visit WebsiteWebsite
  • Debt Settlement

Business Description

Jacob & Weingarten offers legal counsel and services to clients in Troy and the neighboring areas. The firm has a team of bankruptcy lawyers ready to guide clients throughout the various aspect of filing for bankruptcy. The firm can represent clients in a bankruptcy proceeding and also help them reorganize their debts. Its bankruptcy lawyers can also provide out-of-court settlements and liquidations. Howard Sher, the current head of Bankruptcy and Creditors' Rights in Jacob & Weingarten, has been part of the mediation panel of the United States Bankruptcy Court for the Eastern District of Michigan since 1998.

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
––
Josephine R. Sbrocca, Attorney at Law logo
Visit WebsiteWebsite

Josephine R. Sbrocca, Attorney at Law

29204 Hoover Road, Warren, MI 48093
Visit WebsiteWebsite
  • Debt Settlement

Business Description

Josephine R. Sbrocca, Attorney at Law has been offering legal solutions throughout Troy and the surrounding areas since 2000. The firm's founder and bankruptcy attorney, Josephine R. Sbrocca, helps clients in the whole process of chapter 7 to get rid of some or all debts and to create a fresh start financially. Sbrocca is also available to resolve issues involving child custody and support, property division, divorce, purchase agreements, and land contracts.

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.
4.3
Google
4.2 / 5 (16)
Avvo
5.0 / 5 (3)

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
Lambert Leser logo
Visit WebsiteWebsite

Lambert Leser

755 West Big Beaver Road, Troy, MI 48084
Visit WebsiteWebsite
  • Debt Settlement
  • IRS Tax Debt

Business Description

Lambert Leser is a law firm in Troy that represents clients in bankruptcy proceedings and out-of-court negotiations. Its bankruptcy attorney and principal, Keith A. Schofner, has extensive experience working for debtors and creditors in chapter 11 bankruptcies that require the reorganization of a business or corporation. Schofner can draft commercial loan documents and leases for financial institutions and lending companies. The firm has handled bankruptcies for companies across different fields, including clients in the food service industry and the auto industry.

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
––
Mancini Schreuder Kline PC logo
Visit WebsiteWebsite

Mancini Schreuder Kline PC

28225 Mound Road, Warren, MI 48092
Visit WebsiteWebsite
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Mancini Schreuder Kline PC has a team of bankruptcy lawyers who serve the Troy area. They represent clients who are experiencing financial troubles due to job loss, illness, and other factors that affect their financial standing. The firm deals with chapter 7 bankruptcies, which eliminates most unsecured debts, and chapter 13, which imposes a repayment plan for the next three to five years. Other areas the firm deals with include criminal law, insurance issues, and workers' compensation.

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.
4.2
Google
4.2 / 5 (52)
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
Responsiveness
Friendliness
Helpfulness
Detail
Miller Johnson logo
Visit WebsiteWebsite

Miller Johnson

409 East Jefferson Avenue, Detroit, MI 48226
Visit WebsiteWebsite
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Miller Johnson is a law firm that provides its services to Troy. The firm handles several legal practices including bankruptcy where it caters to both creditors and debtors. Its team of bankruptcy lawyers represents individual and business debtors and creditors, creditors' committees, bankruptcy trustees, and financial and lending institutions. They provide counsel during the bankruptcy process and help clients avoid future financial failure. They offer out-of-court services like liquidations and restructurings. Aside from bankruptcy, Miller Johnson also works with litigation, industries, employment and labor, and personal legal services.

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 (4)

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
––
Sanfield Law logo
Visit WebsiteWebsite

Sanfield Law

28850 Mound Road, Warren, MI 48092
Visit WebsiteWebsite
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

Sanfield Law is a bankruptcy law firm that offers legal solutions throughout Troy and nearby communities. Its team of bankruptcy attorneys provides debt-relief solutions, including chapters 7, 11, and 13 bankruptcy options to stop wage garnishments and vehicle repossessions, erase medical bills, silence harassing creditors, and save homes from foreclosures. The professionals from this company also handle criminal defense cases, such as felonies, misdemeanors, juvenile delinquency, drug crimes, and DUI offenses.

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 (21)
Facebook
5.0 / 5 (7)

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
Schafer & Weiner logo
Visit WebsiteWebsite

Schafer & Weiner

40950 Woodward Avenue, Suite 100, Bloomfield Hills, MI 48304
Visit WebsiteWebsite
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Schafer & Weiner offers legal support in Troy and the surrounding areas. The firm has a team of bankruptcy lawyers equipped to handle corporate and personal bankruptcy cases that fall under chapter 7, chapter 11, and chapter 13 of the United States Bankruptcy Code. Chapter 7 bankruptcies help clients erase unsecured debts, while chapters 11 and 13 bankruptcies offer payment reorganization plans depending on each client's financial situation. Schafer & Weiner has been providing legal counsel since 1985.

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 Law Offices of Bryan Yaldou, PLLC logo
Visit WebsiteWebsite

The Law Offices of Bryan Yaldou, PLLC

23000 Telegraph Road, Brownstown Charter Township, MI 48134
Visit WebsiteWebsite
  • Credit Card Debt
  • Debt Settlement
  • IRS Tax Debt

Business Description

The Law Offices of Bryan Yaldou, PLLC, represents individuals in bankruptcy cases in Troy. The law firm can facilitate the elimination of personal debt and the adjustment of a debt payment plan under bankruptcy proceedings. In addition to filing for chapters 7 and 13 bankruptcies, the firm also handles employment law, estate planning, late payment of wages, and personal injury cases. The Law Offices of Bryan Yaldou, PLLC was founded in 2011 and is located in Brownstown.

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.
4.8
Google
4.8 / 5 (51)
Facebook
5.0 / 5 (15)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Back to Providers

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.

Read all FAQs