File Chapter 7 Bankruptcy with Experienced and Personable Attorneys
John L. Hicks & Associates has helped thousands of people get fast and effective financial relief. With over 20 years of experience, John works to get his clients immediate help.
Whether your credit card debt is too much to handle, your utilities are being shut off, your car is being repossessed, or you’re facing repossession or foreclosure, a Chapter 7 bankruptcy could help you get a fresh start. John will help you understand your options with a five-minute phone conversation. Request your free consultation today.
Benefits of Chapter 7 Bankruptcy
Chapter 7 bankruptcy is an opportunity to get a fresh start and free yourself of debt. Your debt can be wiped out within a few months, pending court approval. Filing Chapter 7 means a complete liquidation of your outstanding debt.
John will walk you through the process and get creditors off your back quickly. He has your best interest at heart. Before you sign anything, John will ensure you understand your rights and whether a chapter 7 bankruptcy is the right option for you.
Bankruptcy Stops Creditor Harassment
Are creditors calling you constantly? Once you’ve made the decision to file for chapter 7 bankruptcy, you can stop paying your creditors immediately. And John will keep them from contacting you.
Keep Your House, Car, and Personal Items
Chapter 7 bankruptcy allows you to keep your dwelling, car, and personal items. John will make arrangements for you to reaffirm debts on your home, car, or other household items you’re financing.
Filing For Chapter 7 Bankruptcy Stops Wage Garnishments
Chapter 7 bankruptcy stops garnishments. When you file for chapter 7 in Michigan, you can start saving for the future instead of using your income to pay off debt. John will help guide you through this process.
Eliminate Repossession Debts
When your car is repossessed, the auto financer sells it on auction at a reduced cost. However, you’re still responsible for the difference between the sale price and what you owe on the vehicle. Chapter 7 bankruptcy eliminates your liability for the deficiency balance.
End Lawsuits and License Suspensions
John will help you get your driver’s license reinstated. Whether it’s suspended due to an uninsured car accident or unpaid parking tickets, this can be addressed during the Chapter 7 filing. John will also help you stop any lawsuits related to those car accidents.
Rebuild Your Credit
Reestablishing your credit after bankruptcy is crucial. While the chapter 7 bankruptcy will remain on your credit report for up to 10 years, you can begin rebuilding your credit immediately after discharge. John will point you to resources and tools to help you get a head start.
How Do I File for Chapter 7 Bankruptcy?
The process for filing for chapter 7 bankruptcy in Michigan is seamless with John’s help, and he offers remote legal assistance. He will walk you through the following steps.
Determine whether you’ll file for Chapter 7 bankruptcy, Chapter 13 bankruptcy, or address your debt with other options. If filing for chapter 7 or 13, you can start the process right away.
Once your Chapter 7 or 13 case is filed, creditors can no longer contact you and wage garnishment will stop.
You’ll meet with John and the bankruptcy court to finalize the bankruptcy.
A discharge date for the Chapter 7 filing will be set.
Contact our Bankruptcy Attorneys Today
If you’re facing financial hardship and need a fresh start by filing for Chapter 7 bankruptcy, we’d be happy to talk with you. John’s years of experience and results-oriented approach offers clients a compassionate and, ultimately successful, experience during one of the hardest times in their lives. After a 5-minute phone call, John can help you understand your best options for a financially secure future. And there are no hidden fees. Just honest advice and the kind of experience you can trust to put you on the road to peace again.