Southfield Chapter 7 Bankruptcy Lawyer
Seeking Credit Card Debt Help in Oakland County Through Chapter 7 Bankruptcy
Chapter 7 bankruptcy, also known as "liquidation," is a way for a person who is hopelessly in debt to achieve full debt relief.
At Danton & Smyk, we specialize in all aspects of Chapter 7 bankruptcy and can help you decide if this option is right for you. If it is, we will put all of our skill and experience to work for you so that you can get this debt off your back and begin moving forward with your life.
Are thinking about filing for Chapter 7 bankruptcy? Contact our Southfield Chapter 7 bankruptcy attorney today online or by phone at 1-888-858-7135 to set up your free initial consultation. We serve clients throughout the Detroit metropolitan area.
Is Chapter 7 Bankruptcy Right for You?
Generally speaking, if you have substantial unsecured debt, are struggling to keep up with payments and have little or no income left over after basic expenses, Chapter 7 bankruptcy may be right for you. Here are a few more questions you may want to consider before filing:
- Do you have possessions you would lose? Generally speaking, you may be allowed to keep most of your assets, including your house, car, clothing, wages and public benefits.
- Is your credit already beyond repair? If you are worried that Chapter 7 might ruin your credit, it is very possible that your credit is already severely damaged and bankruptcy may be the best way to restore it.
- Are all of your debts dischargeable? If your debts are from student loans, missed child support or alimony payments, luxuries or recent unpaid taxes, they may not be dischargeable under Chapter 7.
- Are you "judgment proof"? If your income is primarily from public assistance like Social Security, and you have no major assets, creditors may not be able to collect on any judgment against you, even if you don't file for bankruptcy. Filing for bankruptcy, however, can bring an end to the harassment from your creditors.
At Danton & Smyk, we thoroughly review your financial situation to determine if Chapter 7 bankruptcy is the right option for you. You may also want to consider Chapter 13 bankruptcy or perhaps, not filing for bankruptcy at all.
Contact a Southfield Bankruptcy Lawyer Today
We care about our client's well-being. We are not here to judge you, but to give you a fresh start by getting rid of debt.
Seeking credit card debt help in Oakland County? Contact us today online or by phone at 1-888-858-7135 to set up your free initial consultation to discuss whether Chapter 7 bankruptcy is right for you. We can help you relieve your credit card debt and stop creditor harassment. Payment plans are available.
We are a debt relief agency. We help people file for bankruptcy relief under the bankruptcy code.