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Livonia Michigan Bankruptcy

Michigan Bankruptcy Blog

Giving to church and filing Chapter 13 Bankruptcy

Posted by Peter Behrmann, Esq. On March 31st

Giving to church and filing Chapter 13 BankruptcyChurch and Bankruptcy

 

Happy Easter!  On this religious day I figured I would post about religious giving in bankruptcy.  Specifically, about giving to your local church and filing Chapter 13 Bankruptcy in Detroit.  I can not count the number of people who have came into my office that their number one concern about filing bankruptcy is whether or not they are going to be able to continue to tithe each week.  In short answer, yes.

 

In a Chapter 13 bankruptcy, we have to make a budget of your average monthly income and average monthly expenses that are reasonable and necessary for you and your family.  In Detroit, the Chapter 13 Trustee’s and the Chapter 13 Judges have consistently let families continue to tithe at the rate they have been giving in the past.  We are able to budget this monthly tithing in your budget and it will in turn decrease the amount of your Chapter 13 payment is each month to your creditors.

 

Now this does not mean that you can suddenly decide to start giving, or suddenly decide to increase your giving level prior to filing bankruptcy.  The bankruptcy process of allowing you to contribute to your church is an option if have been giving in the past. 

 

I have budgeted up to 10 percent for a family that had the records to prove they have been giving 10 percent for their entire life.  We simply provided the bankruptcy trustee with a print out from my clients church showing her contributions over the past two years and the Trustee approved the expense.

 

In short, if you’re having issues making your normal living expenses a lot of people immediately stop giving to church.  However, sometimes the best answer is to meet with me and stop paying your credit cards so you can continue to contribute to your house of worship.

 

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.

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