Expertise.com

Best Bankruptcy Attorneys in Waterford

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Bankruptcy Attorneys FAQs

Learn more
David J. Montera, P.C logo
Visit WebsiteWebsite

David J. Montera, P.C

P.O. Box 539, Whitmore Lake, MI 48189
Visit WebsiteWebsite
  • Debt Settlement

Business Description

David J. Montera PC is a bankruptcy law firm serving residents throughout the entire Waterford area. Montera has extensive experience representing debtors, creditors, and trustees in Chapter 13 and Chapter 7 bankruptcy proceedings. His firm files petitions and all other applicable documents and represents clients during all meetings. It also handles adversary proceedings, debt restructuring, and loan modification. Montera's other areas of practice include business consultation, and wills and trusts.

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)
Kallabat & Associates logo
Visit WebsiteWebsite

Kallabat & Associates

31000 Northwestern Highway, Farmington Hills, MI 48334
Visit WebsiteWebsite
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Kallabat & Associates is a law firm that serves clients throughout the greater Waterford area by leading them through bankruptcy filings. The firm starts out by educating its clients about the two main types of consumer bankruptcy, Chapter 7 and Chapter 13. It promptly files bankruptcy on clients' behalf to immediately end harassment from debt collectors, foreclosures, wage garnishments, and other financial legal orders. John Z. Kallabat, one of the firm's founders, is licensed to practice in the Western District and Eastern District of Michigan's U.S. District Courts.

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 (14)
Facebook
5.0 / 5 (2)

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
––
Law Offices of Bruce A. Mayrand logo
Visit WebsiteWebsite

Law Offices of Bruce A. Mayrand

5619 Highland Road, Waterford Township, MI 48327
Visit WebsiteWebsite
  • Chapter 7 Bankruptcy
  • Debt Settlement

Business Description

The Law Offices of Bruce A. Mayrand helps residents of Waterford and nearby areas to file for bankruptcy relief under the bankruptcy code. It protects clients from creditor harassment, garnishments, foreclosures, and the seizure of their assets from court officers. The founding attorney, Mr. Mayrand, is a member of the Consumer Bankruptcy Association. He is available for clients 24 hours a day, seven days a week, and the first consultation is free of charge.

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
5.0 / 5 (24)

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
––
Lewis Law PLLC logo
Visit WebsiteWebsite

Lewis Law PLLC

1071 West Huron Street, Waterford Township, MI 48328
Visit WebsiteWebsite
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

Lewis Law PLLC is a full-service law firm that focuses on Chapter 7 and Chapter 13 bankruptcy, estate planning, and landlord and tenant law. Attorney Bourgeois-Lewis also helps clients with collections, guardianships, and conservatorships. Attorney Bourgeois-Lewis is dedicated to providing high-quality customer service to her clients regardless of the size or complexity of the case. She is a member of the State Bar of Michigan and the Institute of Continuing Legal Education.

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 (2)

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
Michigan Bankruptcy Headquarters logo
Visit WebsiteWebsite

Michigan Bankruptcy Headquarters

6515 Highland Rd, Waterford Twp, MI 48327
Visit WebsiteWebsite
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Michigan Bankruptcy Headquarters is a law firm that provides a variety of bankruptcy services to residents of the Waterford metro area. The attorney, Joseph P. Saulski, has over a decade of experience helping clients file for Chapter 7 and Chapter 13 bankruptcy, allowing them to stop foreclosures and repossessions and financially start anew. Mr. Saulski is especially passionate about crafting Chapter 13 restructuring plans and is a member of the American Bankruptcy Institute.

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 (2)
Facebook
5.0 / 5 (2)
Parker Law Firm. P.L.L.C logo
Visit WebsiteWebsite

Parker Law Firm. P.L.L.C

35 West Huron Street, Pontiac, MI 48342
Visit WebsiteWebsite
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Founded in 2010, Parker Law Firm PLLC is a debt relief agency offering help to clients who need a bankruptcy lawyer near the Waterford area. It handles Chapter 7 and 13 bankruptcy, along with garnishments and other collections. Zero-down Chapter 7 and 13 bankruptcy is available for clients who may have a hard time paying for legal services. The firm also provides emergency and same-day filing using a 12-step process. Attorney Stephen Parker communicates directly with clients.

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
4.9 / 5 (93)

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
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