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Michigan Consumer Bankruptcy Lawyer

Understanding the Bankruptcy Process

When you are considering bankruptcy, it is important to find a lawyer who will listen to your story, analyze your situation and create a debt relief plan tailored to your unique needs. At the Royal Oak law office of Bidwell Tovarez, we provide a professional and supportive environment where you can discuss your debt problems in confidence with one of our attorneys. We will answer your questions and evaluate all your options for relief.

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There are a lot of factors to consider before finding the debt relief option that works best for you. We will make sure you understand all important bankruptcy terms and clear up any possible bankruptcy myths you may have heard, so you know exactly what to expect. While we will consider all your options, most clients end up with one of the following plans:

  • Chapter 7: Also known as straight liquidation, chapter 7 generally eliminates your unsecured debt. In most cases, you will not lose your home or other property. Only debtors who qualify according to a means test may file for chapter 7.
  • Chapter 13: If you are not eligible for a Chapter 7, need to save a home from foreclosure or have assets you may not be able to protect in a Chapter 7, you may need to file a Chapter 13 case. In a chapter 13 case, we propose a plan to repay all or a portion of your debt over a three to five year period. Once approved by the court, you will make affordable payments to a trustee, who will then make payments to your creditors. Any remaining unsecured debt after the three to five year period will be eliminated.

Royal Oak Chapter 7 Attorney

By filing for either type of consumer bankruptcy, you will receive an automatic stay, which will immediately stop creditor harassment and foreclosure. Whether you need to take immediate action or you have time to review your options, we will help you find solutions. We have managed bankruptcy issues from tax debts to second mortgages, and we are ready to help you get a fresh start and rebuild your credit.

Contact Us

There are many creative solutions available to people struggling with personal debt. We are dedicated to helping individuals and families across Michigan find the debt relief plan that best fits their needs. Call 248-237-3718 or contact us on-line today for a free initial consultation and find out how we can help you.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

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Bankruptcy Overview Bidwell Tovarez PLLC

333 W. 7th St., Suite 230
Royal Oak, MI 48067-2510
Local: 248-237-3718
Toll-Free: 866-959-6828
Fax: 888-806-0478
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