Livonia Michigan Bankruptcy - Michigan Bankruptcy Blog

Livonia Michigan Bankruptcy

Michigan Bankruptcy Blog

Bankruptcy Law Firms filing for Bankruptcy in Michigan!

Posted by Peter Behrmann, Esq. On March 19th

Bankruptcy Law Firms filing for Bankruptcy!Bankruptcy Court1 150x150 Bankruptcy Law Firms filing for Bankruptcy in Michigan!

 

Jacoby & Meyers Bankruptcy, also known as Legal Helpers or Macey Bankruptcy was forced into Chapter 7 Bankruptcy last week by their creditors.  This firm had multiple offices throughout the Detroit area and their clients are now being turned over to new law firms to represent them.  This follows Frego & Associates, Michigan’s largest bankruptcy law firm filing their own Chapter 11 Bankruptcy in December to work out their own creditor issues.

 

What is really going on here with all of these Bankruptcy law firms ending up in Bankruptcy?  The reality is both of these firms were spending a lot of money each month on advertising to keep the new clients coming in.  Don’t get me wrong, I advertise too, but not nearly to the level of the two firms mentioned above.  On top of these firms spending huge amounts in advertising, bankruptcy filings are down.  For example, in 2009 51,596 bankruptcies were filed in the Eastern District of Michigan; whereas, in 2013 31,768 bankruptcies were filed.  That is a thirty-nine (39%) decline in cases which the large firms have not been able to adjust to.

 

Our situation at Phoenix Law is quite different.  We are a small firm with two attorneys that practice exclusively in the field of bankruptcy.  Our filings are down too, well sort of.  In 2009 we were filing an average of 17 cases per month; whereas, in 2013 we filed an average of 15 cases per month.  So we are down about twelve percent (12%), when the market is down thirty-nine (39%).  In my mind that makes me feel like I am actually up fourteen (14%), since I am not slowing down as quickly as the market is.  However that fact is, we have been able to adjust. Most importantly we continue to take care of our clients which is the number one reason we receive new clients!  We receive countless referrals from prior clients.  Our prior clients are not only happy with the fresh start that our firm provided them with but feel comfortable enough to suggest to a family member or friend to seek out our services.   To us this the number one reason were staying busy in a bankruptcy market that is down over thirty-nine percent (39%).

Peter Behrmann is a Livonia Bankruptcy Attorney.  From my Livonia, Michigan location, I represent clients throughout Metro Detroit and beyond, including Garden City, Wayne, Westland, Redford, Dearborn, Taylor, Ann Arbor, Belleville, Northville, Novi, Farmington, Farmington Hills, Plymouth, Canton, and the Counties of Wayne, Oakland, Livingston, and Washtenaw. My practice is limited to helping consumers like you file Chapter 7 and Chapter 13 Bankruptcy.

2013 FEDERAL TAX REFUNDS IN CHAPTER 13 CASESMoney in Chapter 13 150x150 2013 FEDERAL TAX REFUNDS IN CHAPTER 13 CASES   Livonia Michigan Bankruptcy Attorney

 

It’s tax time and time to remind you of the number one reason most Chapter 13 cases are dismissed without discharge.  The number one reason is because of the failure to submit Federal Tax Returns and Federal Refunds to the Chapter 13 Trustee.  Per your Chapter 13 Plan, you probably required to submit your Federal Tax Return and any Federal Refund you receive to your Chapter 13 Trustee.  Even if you do not receive a Federal Refund, you must submit your Federal Tax Return to the Chapter 13 Trustee.

 

If you have any questions on if you need to send in your 2013 Federal Tax Refund please call us, we will review your case and remind you of your responsibilities.

 

Please see below for the addresses of the Chapter 13 Trustees that service the Detroit area.  If you have any questions or do not remember who your Chapter 13 Trustee is please contact our office.   Our goal is to make sure all of our cases get to discharge, including yours!

 

 

IF YOUR TRUSTEE IS KRISPEN S. CARROLL

 

Please mail a copy of your Federal Tax Return to:

Krispen S. Carroll

719 Griswold

1100 Chrysler House

Detroit, MI 48226

 

Please mail your Federal refund to:

Krispen S. Carroll

PO Box 2018

Memphis, TN 38101-2018

 

Make your payment payable to Krispen S. Carroll.  Make sure to write your Case No. and 2013 Federal Tax Refund on your payment.

 

 

IF YOUR TRUSTEE IS DAVID WM RUSKIN

 

Please mail a copy of your Federal Tax Return to:

David Wm Ruskin

1100 Travelers Tower

26555 Evergreen Road

Southfield, MI 48076-4251

 

Please mail your Federal refund to:

David Wm Ruskin

1593 Reliable Parkway

Chicago, Illinois 60686-0015

 

Make your payment payable to David Wm Ruskin.  Make sure to write your Case No. and 2013 Federal Tax Refund on your payment.

 

IF YOUR TRUSTEE IS TAMMY L. TERRY

 

Please mail a copy of your Federal Tax Return to:

Chapter 13 Trustee-TLT

535 Griswold

Suite 2100

Southfield, Mi 48076

 

Please mail your Federal refund to:

Chapter 13 Trustee-TLT

PO Box 2039

Memphis, Tennessee 38101-2039

 

Make your payment payable to Chapter 13 Trustee-TLT.  Make sure to write your Case No. and 2013 Federal Tax Refund on your payment.

 

 

IF YOUR TRUSTEE IS CARL L. BEKOFSKE

 

Please mail a copy of your Federal Tax Return to:

Chapter 13 Trustee – Flint

400 N. Saginaw Street, Suite 331

Flint, MI 48502

 

 

Please mail your Federal refund to:

Chapter 13 Trustee – Flint

PO Box 2175

Memphis, TN 38101-2175

 

Make your payment payable to Chapter 13 Trustee – Flint.  Make sure to write your Case No. and 2013 Federal Tax Refund on your payment.

 

 

Peter Behrmann is a Livonia Bankruptcy Attorney.  From my Livonia, Michigan location, I represent clients throughout Metro Detroit and beyond, including Garden City, Wayne, Westland, Redford, Dearborn, Taylor, Ann Arbor, Belleville, Northville, Novi, Farmington, Farmington Hills, Plymouth, Canton, and the Counties of Wayne, Oakland, Livingston, and Washtenaw. My practice is limited to helping consumers like you file Chapter 7 and Chapter 13 Bankruptcy.

One of the most common questions people ask me when people are lookingNew FHA Mortgage After Bankruptcy 150x150 You can now get a new mortgage just one year after you file Chapter 7 Bankruptcy! to file bankruptcy is how long will it be until they will be able to receive credit again after filing bankruptcy.  Now new rules from the Department of Housing and Urban Development will allow borrowers to get a new FHA mortgage in just one year after you file bankruptcy. 

Prior to this change, borrowers wanting to get an FHA mortgage had to wait at least three years to get a new mortgage after filing bankruptcy.  This new change is excellent for my clients that have had to file bankruptcy to get a fresh start. It’s going to allow people to get back into home ownership in just one year after filing a bankruptcy or losing their home to foreclosure. 

The simple fact is that most of my clients are filing bankruptcy for their first and last time.  Most of my clients have had an once-in-a-lifetime economic catastrophe event that was largely beyond their control. The foreclosure and bankruptcy were isolated events and not a general reflection of their financial management.  Most of my clients file bankruptcy because it is their only way to truly get a fresh start!

The new rule for getting an FHA loan after filing a bankruptcy in little as one year will simply require the borrower to show documentation that the delinquencies or default were the result of an “Economic Event” beyond their control.  The borrower will also have to complete an approved counseling program and meet all of HUD’s other guidelines for a new loan.

An “Economic Event” is something beyond the borrower’s control that results in income loss, job loss, or both.  By definition almost all of my bankruptcy clients have experienced an “Economic Event” hence the reason of them filing for bankruptcy. The “Economic Event” must have reduced the borrower’s household income by 20% or more for a six month period.

Also, borrowers who wish to obtain an FHA loan after a bankruptcy must be able to demonstrate that you have attempted to gain satisfactory credit after your bankruptcy.  To show this you will have to show that all credit kept after your bankruptcy is current and not showing any late payments on your credit report for the last 12 months. 

The 12 month waiting rule specifically applies from the date of discharge of your Chapter 7 bankruptcy.  For example, if your Chapter 7 bankruptcy is discharged in September of 2013 then you could be eligible for a new FHA mortgage in September of 2014.  For Chapter 13 bankruptcies, you are eligible as soon as your discharge is issued so long as you can show that all of your Chapter 13 bankruptcy payments were paid on time in the 12 months prior to your discharge and any credit you were paying directly is current with nothing showing late for the last 12 months.

The result from these changes is going to allow a lot of my clients to be able to move on with their life at an even faster pace after they file bankruptcy.  None of my clients ever come to me because they want to file bankruptcy.  They come to me because something in their life has happened and they are in need of professional help to give them a fresh start.  Now with these new mortgage regulation changes my clients are going to be able to recover even quicker then ever before! 

Peter Behrmann is a Livonia Bankruptcy Attorney.  From my Livonia, Michigan location, I represent clients throughout Metro Detroit and beyond, including Garden City, Wayne, Westland, Redford, Dearborn, Taylor, Ann Arbor, Belleville, Northville, Novi, Farmington, Farmington Hills, Plymouth, Canton, and the Counties of Wayne, Oakland, Livingston, and Washtenaw. My practice is limited to helping consumers like you file Chapter 7 and Chapter 13 Bankruptcy.

Telling the Truth in Bankruptcy

Posted by Peter Behrmann, Esq. On August 21st

           Truth Telling the Truth in Bankruptcy To be eligible for a bankruptcy and go through this process as painless as possible, you must at all times tell the truth.  When you tell the truth, your attorney can properly advise you on whether there will be an issue or not.  You must answer any questions truthfully while preparing your case.  When you come in to sign your bankruptcy petition you will sign under penalty of perjury that the paperwork is truthful and accurate to the best of your knowledge.  After your case is filed, you will go to court in 4 to 6 weeks where you take an oath that you will tell the whole truth.  In addition, the Trustee will ask you whether the paperwork that was filed with the court was truthful and accurate and still remains that way today.

            There are consequences if you do not tell the truth at any point during this process.  If you do not tell your attorney everything then he or she may not be able to help you.  You may lose an asset or get a family member or friend sued if you paid them money and didn’t disclose it properly.  If you do not cooperate with the Trustees office and it is discovered you lied orally or in your paperwork they can send it to the US Attorney’s office where you can be subject to a fine, imprisonment, or both. Ultimately, you can lose your discharge order which is the fresh start you were seeking in the first place.  

 

Peter Behrmann is a Livonia Bankruptcy Attorney.  From my Livonia, Michigan location, I represent clients throughout Metro Detroit and beyond, including Garden City, Wayne, Westland, Redford, Dearborn, Taylor, Ann Arbor, Belleville, Northville, Novi, Farmington, Farmington Hills, Plymouth, Canton, and the Counties of Wayne, Oakland, Livingston, and Washtenaw. My practice is limited to helping consumers like you file Chapter 7 and Chapter 13 Bankruptcy.

Automatic Stay Used In Detroit Bankruptcy

Posted by Peter Behrmann, Esq. On July 19th

Automatic Stay Used In Detroit BankruptcyBankruptcy Court1 150x150 Automatic Stay Used In Detroit Bankruptcy

The Automatic Stay is one of the most powerful tools in bankruptcy, so powerful that is stopped an emergency motion hearing that was being held to strip the governor’s power to authorize the filing of the Bankruptcy in the first place.

Here is the time frame on how yesterday worked:

  • Throughout the day there was wide speculation that Detroit would file for Bankruptcy on Friday, the date Kevin Orr indicated months ago he would have his decision by.
  • At 3:37 PM Attorneys representing City of Detroit Pension boards filed an emergency motion seeking a restraining order preventing the governor of Michigan from signing off on the bankruptcy.
  • The emergency hearing was started at 4:11PM where they were informed that the city of Detroit had filed the single largest municipal bankruptcy ever just 5 minuends prior at 4:06PM putting in place the Automatic Stay that prevents any creditor from taking any collection action.

You see in most situations, the actual filing of the bankruptcy case itself automatically stays collection and other actions against the debtor, the debtor’s property, and co debtors.  This means that by simply filing a Bankruptcy you can immediately stop foreclosures, garnishments, lawsuits, and any other collection activity.  Even emergency motions seeking a restraining order from a creditor!

 

Soon all of the Detroit’s creditors will be mailed a notice making them aware that they cannot take the following actions against them:

“Prohibited collection actions against the debtor and certain co debtors are listed in Bankruptcy Code §§ 362 and §§1301. Common examples of prohibited actions include contacting the debtor by telephone, mail or otherwise to demand repayment; taking actions to collect money or obtain property from the debtor; repossessing the debtor’s property; starting or continuing lawsuits or foreclosures; and garnishing or deducting from the debtor’s wages.”

I often use the Automatic Stay in a Chapter 13 bankruptcy to save my clients homes from foreclosure, to save a car that had been repossessed, and to simply help my clients get back on their feet.  I have never had the opportunity to use it to prevent a restraining order from being imposed, but as we saw yesterday that happens to work too!

Peter & Jeri Behrmann are Livonia Bankruptcy Attorneys.  From our Livonia, Michigan location, we represent clients throughout Metro Detroit and beyond, including Garden City, Wayne, Westland, Redford, Dearborn, Taylor, Ann Arbor, Belleville, Northville, Novi, Farmington, Farmington Hills, Plymouth, Canton, and the Counties of Wayne, Oakland, Livingston, and Washtenaw. Our practice is limited to helping consumers like you file Chapter 7 and Chapter 13 Bankruptcy.

DETROIT FILES FOR BANKRUPTCY!

Posted by Peter Behrmann, Esq. On July 18th

Detroit Michigan Bankruptcy1 150x150 DETROIT FILES FOR BANKRUPTCY!

Today the City of Detroit filed for Chapter 9 bankruptcy.  The largest municipal bankruptcy ever.  Read the Detroit Bankruptcy petition here:

CITY OF DETROIT BANKRUPTCY

Within Chapter 9 bankruptcy, labor contracts can be rejected, and pension liabilities can also be eliminated.  Local governments just need to show that the labor contract is substantially detrimental to the government viability and prove they have made a reasonable attempt to renegotiate.  If they can prove that the contracts can be eliminated by the Bankruptcy Judge to make sure the governmental unit is on the right track for financial viability.    

Only time will tell what is truly going to happen with the City of Detroit filing bankruptcy, but it’s going to be an experience like no other. 

Peter Behrmann is a Livonia Bankruptcy Attorney.  From my Livonia, Michigan location, I represent clients throughout Metro Detroit and beyond, including Garden City, Wayne, Westland, Redford, Dearborn, Taylor, Ann Arbor, Belleville, Northville, Novi, Farmington, Farmington Hills, Plymouth, Canton, and the Counties of Wayne, Oakland, Livingston, and Washtenaw. My practice is limited to helping consumers like you file Chapter 7 and Chapter 13 Bankruptcy.

New Michigan Foreclosure Laws – Again!

Posted by Peter Behrmann, Esq. On June 26th

New Michigan Foreclosure Laws – Again!Foreclosure Michigan New Michigan Foreclosure Laws – Again!

 

On June 20th, the State House and Senate approved a package of 4 bills that are again changing the foreclosure process in Michigan.  This has been an ongoing process where the foreclosure process has been changed several times due to “Sunset Provisions” that were included in the prior bills.  “Sunset Provisions” are provisions that have the old law set to expire if changes are not made in the future, so if the legislature does not act, the law will expire.  The first mortgage foreclosure bills change happened in 2009, where the legislature added a provision requiring Mortgage Companies to offer loss mitigation options prior to foreclosing on residential properties.

 

The point of the 2009 change was to prevent mortgage companies from foreclosing for an additional 90 days if you reached out to the mortgage company and requested loss mitigation.  This 2009 provision was due to expire in June of 2011, so through a last moment rush in the state legislature the 2011 changes were proposed, and signed in to law.

 

The 2011 changes again extended the loss mitigation options for two years; however, the banks through their banking lobbyists also forced through additional changes to the foreclosure laws.   First, the banks were able to shorten the redemption on residential property of over 3 acres from 1 year to 6 months.  Second, banks were able to reduce their posting responsibilities under the loss mitigation options, essentially removing the list of people having mortgage trouble from public record.  Lastly, banks requested and received the right to go after the prior owners of property if they were to damage the property in any way prior to leaving.

 

Now, there are the 2013 changes to Michigan’s foreclosure law.  Once again the state legislature waited to the last moment to rush these bills through the legislature.  The reason once again was because the loss mitigation was again going to expire at the end of June if they did not get this done.  Of course with the help and assistance of the banking lobbyists just extending the loss mitigation option was not the only changes that came out of the rush of passing bills before the legislature took their summer vacation.

In credit to the legislature, they made the loss mitigation process a permanent fixture in Michigan foreclosure law and removed the sunset provisions that kept making them make changes every two years.  Also, in credit to the legislature they resisted the pressure from the big banks to change the redemption period from 6 months to 2 months as the banks were requesting.  However, the legislature did make one change that is going to have dramatic change to people going through the foreclosure process.  The bank now gets to periodically inspect both the INSIDE and the OUTSIDE of your home.  If you refuse to let them in your redemption period can be cancelled and full title of the property immediately passes to the bank.    Below is the section the bill that has to these changes:

 

AFTER THE SALE UNDER SECTION 3220 AND PERIODICALLY THROUGHOUT THE REDEMPTION PERIOD, THE PURCHASER AT THE SALE MAY INSPECT THE EXTERIOR AND INTERIOR OF THE PROPERTY AND ALL ANCILLARY STRUCTURES. IF INSPECTION IS UNREASONABLY REFUSED OR IF DAMAGE TO THE PROPERTY IS IMMINENT OR HAS OCCURRED, THE PURCHASER MAY IMMEDIATELY COMMENCE SUMMARY PROCEEDINGS FOR POSSESSION OF THE PROPERTY UNDER CHAPTER 57 OR FILE AN ACTION FOR ANY OTHER RELIEF NECESSARY TO PROTECT THE PROPERTY FROM DAMAGE.  IF A JUDGMENT FOR POSSESSION IS ENTERED IN FAVOR OF THE PURCHASER, THE RIGHT OF REDEMPTION IS EXTINGUISHED AND FULL TITLE TO THE PROPERTY VESTS IN THE PURCHASER.

 

AS USED IN THIS SUBSECTION, “DAMAGE” INCLUDES, BUT IS NOT LIMITED TO, ANY OF THE FOLLOWING:

a)  THE FAILURE TO COMPLY WITH LOCAL ORDINANCES REGARDING MAINTENANCE OF THE PROPERTY, IF THE FAILURE IS THE SUBJECT OF GOVERNMENTAL UNIT.

b)  A BOARDED UP OR CLOSED OFF WINDOW OR ENTRANCE.

c)  MULTIPLE BROKEN AND UNREPAIRED WINDOW PANES.

d)  A SMASHED THROUGH, BROKEN OFF, OR UNHINGED DOOR.

e)  ACCUMULATED RUBBISH, TRASH, OR DEBRIS.

f)  STRIPPED PLUMBING, ELECTRICAL WIRING, SIDING, OR OTHER METAL MATERIAL.

g)  MISSING FIXTURES, INCLUDING, BUT NOT LIMITED TO, A FURNACE, WATER HEATER, OR AIR CONDITIONING UNIT.

h)  DETERIORATION BELOW, OR BEING IN IMMINENT DANGER OF DETERIORATING BELOW, COMMUNITY STANDARDS FOR PUBLIC SAFETY AND SANITATION.

i)  A CONDITION THAT WOULD JUSTIFY RECOVERY OF THE PREMISES UNDER SECTION 5714(1)(D).

 

So thanks to the Michigan legislature you still have your 6 month redemption period; however, you better beware that you will now be subject to random inspections of the INSIDE and OUTSIDE of your home.  If you don’t let them in your redemption period may be cancelled.   You also have to love the above list, so broad and over inclusive that lots of homes could fit into one of the categories listed above.   Lastly, the safety issues associated with you now being required to let a total stranger into your home that you have no idea who they are.  I can only imagine where this is going to go.   We still have to wait and see if the Governor signs these bills, only time will tell.   

Peter & Jeri Behrmann are Livonia Bankruptcy Attorneys.  From our Livonia, Michigan location, we represent clients throughout Metro Detroit and beyond, including Garden City, Wayne, Westland, Redford, Dearborn, Taylor, Ann Arbor, Belleville, Northville, Novi, Farmington, Farmington Hills, Plymouth, Canton, and the Counties of Wayne, Oakland, Livingston, and Washtenaw. Our practice is limited to helping consumers like you file Chapter 7 and Chapter 13 Bankruptcy.

Can you get out of debt without filing bankruptcy?

Posted by Peter Behrmann, Esq. On June 7th

Can you get out of debt without filing bankruptcy?

Peter Jeri2 150x150 Can you get out of debt without filing bankruptcy?

Husband & Wife Lawyers Focused On You

 

Each week we meet with a dozen or so prospective clients seeking advice on whether bankruptcy is right for them.  The process is actually quite simple and sets most people at ease when they come to us with all of their financial stress.   Our consultations really have two parts.  The first part is for us to evaluate your financial situation.  This allows us to understand what your issues are and what end result you are seeking.  The second part is for us to educate you on bankruptcy and if a bankruptcy is a viable option for your financial situation. 

 

When you come in for a consultation, we will sit down with you and have a conversation to find out how and why you got here.  Although, we can’t change what happened in the past what we can do is give you options to put you on a better path for the future.  Once we have an overview of your particular situation then we will be able to explain to you all of your options along with the pros and cons of each option. 

 

Each week out of the dozen people we meet with we end up forwarding 3 or 4 of those people to other services non-bankruptcy related.  You see, not everyone needs to file bankruptcy, not everyone can file bankruptcy, and bankruptcy is not the solution for everyone.  Contrary to us being  bankruptcy attorneys, we not a bankruptcy sales people.  We believe that our job is to allow you to make an educated decision on if bankruptcy is the right or wrong option for you. 

 

Depending on your financial situation, there are options to get out of debt without filing bankruptcy.  There are instances where someone may be able to deal with it on their own but just needed direction on how to do it.  In other instances, it might be better to hire someone to negotiate and settle the debt.  By coming in to sit down with us we will be able to evaluate your situation and give you your options.   

 

This all being said bankruptcy is a very powerful tool and when used in the right circumstances can really change people’s lives.  Equally as important if used in the wrong circumstances could really destroy someone’s financial life. 

 

Peter & Jeri Behrmann are Livonia Bankruptcy Attorneys.  From our Livonia, Michigan location, we represent clients throughout Metro Detroit and beyond, including Garden City, Wayne, Westland, Redford, Dearborn, Taylor, Ann Arbor, Belleville, Northville, Novi, Farmington, Farmington Hills, Plymouth, Canton, and the Counties of Wayne, Oakland, Livingston, and Washtenaw. Our practice is limited to helping consumers like you file Chapter 7 and Chapter 13 Bankruptcy.

How do I do bankruptcy different then the guy down the street?

Posted by Peter Behrmann, Esq. On May 29th

How do I do bankruptcy different then the guy down the street?DSC 5011a 150x150 How do I do bankruptcy different then the guy down the street?

 

Consumers like to have options. This is why you often see a Home Depot right across the street from a Lowes.  Sometimes you’re going to be happier at Home Depot, and sometimes you’re going to be happier at your local True Value hardware.  Now, don’t get me wrong; I like Home Depot but sometimes it’s just nicer and easier to stop by the local hardware where the people know you and you receive one on one customer service.

 

In Bankruptcy, you have the same options available to you.  There are Lowes and Home Depot bankruptcy firms, and there are bankruptcy firms like mine that are more of a neighborhood hardware store.  Just last week I was talking to an attorney and owner of a very large bankruptcy firm and he told me this: “If I am not at my desk I am losing money.”  So their model is the owner sits at his desk and does consultations and legal work.  Then a junior associate represents you in court.  Several other firms in the Detroit area have upwards of twelve attorneys practicing bankruptcy.  Each time you contact their office or go to court you will have a different attorney, or someone new representing you.

 

Now in both of these examples above you will get a bankruptcy, just as if you went to Home Depot or Lowes you will get what you’re looking for.   Now here is how we do things different, at my firm you will get my wife and me that is who you are hiring isn’t it?  We will be the ones you have your first consultation with, we will be the people you hire, we will be the ones that prepare and review your bankruptcy petition, we will be the ones that review the petition with you and we will be the ones that attend your court hearings with you! 

 

Now notice that I used the term WE.  My wife and I work on all of our bankruptcies together.  We have found over the years that having both of us work on every case creates a checks and balance system to make sure your case is a perfect as it can be prior to filing.   So to us it does not matter if your case is a simple Chapter 7 or a complicated Chapter 13, your case will be reviewed by both of us prior to it being filed with the bankruptcy court.  If you’re looking for a more personable bankruptcy firm where the person you hire will be the person with you from start to finish, we are your firm!

 Peter Behrmann is a Livonia Bankruptcy Attorney.  From my Livonia, Michigan location, I represent clients throughout Metro Detroit and beyond, including Garden City, Wayne, Westland, Redford, Dearborn, Taylor, Ann Arbor, Belleville, Northville, Novi, Farmington, Farmington Hills, Plymouth, Canton, and the Counties of Wayne, Oakland, Livingston, and Washtenaw. My practice is limited to helping consumers like you file Chapter 7 and Chapter 13 Bankruptcy.

Free Legal Advice – Not Just Bankruptcy!

Posted by Peter Behrmann, Esq. On May 1st

Free Legal Advice – Not Just Bankruptcy!Livonia Bar Association 150x127 Free Legal Advice   Not Just Bankruptcy!

 
Anyone need free legal advice? Myself and other attorneys from the Livonia Bar Association will be celebrating law day today, May 1, from 5:30-7:30 pm at the Livonia Civic Center Library offering free advice to everyone in many areas of law.
 
Stop by if you need to talk to an attorney!
 
Need a non-bankruptcy attorney?  Check out http://www.livoniabar.org
 

Peter Behrmann is a Livonia Bankruptcy Attorney.  From my Livonia, Michigan location, I represent clients throughout Metro Detroit and beyond, including Garden City, Wayne, Westland, Redford, Dearborn, Taylor, Ann Arbor, Belleville, Northville, Novi, Farmington, Farmington Hills, Plymouth, Canton, and the Counties of Wayne, Oakland, Livingston, and Washtenaw. My practice is limited to helping consumers like you file Chapter 7 and Chapter 13 Bankruptcy.