Allyn Smith Law Group, PC

Chapter 7 Bankruptcy

Get Relief -- Get Yourself Out of Debt

Compassionate Chapter 7 Bankruptcy Attorney in Metro Detroit

If you are concerned about the burden of debt, are tired of dodging the harassing calls and letters from creditors and collection agencies and need a fresh start, Chapter 7 bankruptcy may be your best solution. Allyn Smith Law Group, PC has over 12 years of experience in bankruptcy and credit issues. Together, we can figure out the best way to get you back on your feet. Contact our office today and learn how we can help.

Things to Know About Chapter 7 Bankruptcy

Chapter 7 bankruptcy, also known as liquidation or fresh start bankruptcy, discharges unsecured debt. Depending on the particular facts of each individual case, you can achieve your fresh start in as little as four months.

When you are considering filing for Chapter 7 bankruptcy, there are key issues you need to take into account:

• It immediately stops all collection activity by imposing an automatic stay.
• The 2005 changes in the bankruptcy laws affected eligibility requirements. You may, however, still be eligible for debt relief under Chapter 7.
• If you have the financial capability to pay back your debt, you may have to repay to the extent that you can. In such a case, Chapter 13 bankruptcy may be more appropriate for your circumstances.
• Chapter 7 allows for immediate and complete debt discharge of debt. In some cases, liquidation of nonexempt assets may be necessary to repay your debt.
• Unsecured debt (for example, credit card bills and medical bills) are generally dischargeable.
• Child support, spousal support, tax debts and student loans generally cannot be discharged.

Bankruptcy is not a quick-fix solution, but if you are facing insurmountable debt and are struggling to stay afloat, Chapter 7 bankruptcy can help you get back on track. Even if you do not qualify for Chapter 7 bankruptcy, Chapter 13 bankruptcy may still be an option for you. Contact us today and talk with an experienced lawyer to figure out the solution that works best for you.

Call at 248-855-2550 or contact us today and let us talk about your options. If Chapter 7 bankruptcy is right for you, we will guide you through the process and help you take charge of your finances. We offer a free initial consultation. We are available by appointment 9 a.m. to 5 p.m., Monday through Friday, with evening and weekend hours also available by appointment.

Allyn Smith Law Group, PC
31333 West Thirteen Mile Road
Farmington Hills, MI 48334
Toll Free: 877-839-3250
Telephone: 248-855-2550
Fax: 248-741-6154
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Our firm is a federally designated debt relief agency within the meaning of the U.S. Bankruptcy Code.

Allyn Smith Law Group, PC serves southeast Michigan and metro Detroit, including the cities of Detroit, Livonia, Dearborn, Farmington Hills, Birmingham, Rochester, Southfield, Pontiac, Troy, Royal Oak, Warren, and the counties of Wayne, Oakland, Macomb, Washtenaw, and Livingston.