Bankruptcy Help in Macomb County, Michigan
Clinton Township-based Macomb County Bankruptcy Attorney, Daniela Dimovski, Attorney at Law P.C. is proud to offer the following services to our clients:
- Free initial consultation
- Free budget analysis
- Flexible appointments
- Timely response to telephone calls
- Timely response to text messages
- Individual attention to your case
We serve Macomb County, Oakland County, Sanilac County, St. Clair County and, Wayne County.
Bankruptcy can be a viable solution to resolve your financial hardships and help get you back on track. Bankruptcy is not, however, a magic wand so it is important to understand the differences and obligations.
Two of the more common forms of bankruptcy are Chapter 7 and Chapter 13.
So which is right for you? Well, that depends on your situation but here is a brief overview to guide you.
Known as a “fresh start,” Chapter 7 bankruptcy allows a person to eliminate most, or all, of his or her debt. Filing Chapter 7 does allow people to keep certain property, including their house and car when meeting the legal requirements. Daniela Dimovski will give you the information you need and let you know which property can be protected. Chapter 7 also typically wipes out credit card debt, medical debt, and personal loan debt. However, student loans are typically non-dischargeable in bankruptcy. Learn More about Chapter 7 bankruptcy
Chapter 13 bankruptcy allows a person to consolidate his or her debt while making convenient monthly payments to a trustee. Repayment plans are determined by monthly income and expenses as well as the amount and nature of the debt. Most Chapter 13 bankruptcy repayments take place over a three-to-five-year period. Learn More about Chapter 13 bankruptcy.
Stop Paycheck Garnishments
If you have a paycheck garnishment, the law allows the creditor to take 25% of your wages. Filing either a Chapter 7 or a Chapter 13 bankruptcy will automatically STOP the garnishment. Learn about Stopping Paycheck Garnishments
Stop Collection Calls
Collections calls can be very stressful. Filing for chapter 7 or chapter 13 will STOP those collections calls. Hiring Macomb Bankruptcy Attorney, Daniela Dimovski, will STOP those calls. Learn about Stopping Collection Calls