Livonia Michigan Bankruptcy - Michigan Bankruptcy Blog

Livonia Michigan Bankruptcy

Michigan Bankruptcy Blog

“J” is for Joint Bankruptcy in Michigan

Posted by Peter Behrmann, Esq. On April 5th

“J” is for Joint Bankruptcy Filing

 

When a married couple comes into my Livonia bankruptcy office to learn about bankruptcy, we complete a full analysis to determine what course of action is best for their particular situation.  Sometimes, we file just the husband, sometimes just the wife, and sometimes we take advantage of being able to file both as a joint bankruptcy.   

 

A joint bankruptcy is by no means required in Michigan.  Sometimes, one person has all of the debt, or one person may have to0 many assets to make a bankruptcy practicable in their situation.  In your Free Consultation, we will review your family situation to determine if it makes more sense to do a single bankruptcy, a joint bankruptcy, or maybe even no bankruptcy at all. 

 

A joint bankruptcy filing is only available to married couples in Michigan.  You are not eligible to file a Joint bankruptcy unless you are legally married.  One of the greatest benefits of being able to file a joint bankruptcy is cost.  At my office it costs the exact same to file a bankruptcy for one spouse, as it does to file a bankruptcy for a married couple.  I do not charge my clients anything more because they are a joint bankruptcy.  If you are interested in learning more about a joint bankruptcy, please give our office a call to schedule a free consultation. 

 

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, and Foreclosure Prevention.

Photo Credit: MrMark

 

Other Bankruptcy Attorneys Blogging on the letter “J”: 

  • Joint Bankruptcy Filing  – Southgate, Michigan Bankrutpcy Lawyer, Christopher McAvoy               
  • Joint Debts – Hawaii Bankruptcy Attorney, Stuart T. Ing            
  • Joint Filing – Marin County Bankruptcy Attorney, Catherine Eranthe
  • Judgment – Omaha and Lincoln, Nebraska Bankruptcy Attorney, Ryan D. Caldwell
  • Judgment Debtor  – San Francisco Bankruptcy Attorney, Jeena Cho 
  • Judgment Liens  – Colorado Springs Bankruptcy Attorney Bob Doig 
  • Judgment Liens  – Philadelphia Suburban Bankruptcy Lawyer, Chris Carr               
  • Judicial Lien – Cleveland Area Bankruptcy Lawyer, Bill Balena  
  • Jurisdiction  – Metro Richmond Consumer and Bankruptcy Attorney, Mitchell Goldstein               
  • Justice in Bankruptcy – Los Angeles Bankruptcy Attorney, Mark J. Markus          
  • Justify – Northern California Bankruptcy Lawyer, Cathy Moran    
  • Your Personal Finance Lawyer – New York Bankruptcy Lawyer, Jay S. Fleischman               
  • Jail  – Wisconsin Bankruptcy Lawyer, Bret Nason            

“F” is for Free Bankruptcy Consultation

Posted by Peter Behrmann, Esq. On March 6th

Free Livonia Michigan Bankruptcy Consultation Chapter 7 & 13Free Consultation

I provide every new bankruptcy client with a free initial consultation that is completely confidential.  I will review your specific situation and recommend a solution that I feel will work for you.  Sometimes, my solution is Chapter 7 or Chapter 13 Bankruptcy, sometimes my solution is Credit Consolidation, Short Sale, or doing an offer and compromise on your debt. Regardless, of your issues the free consultation allows me to not only explain the bankruptcy process to you, but allows me to get a complete understanding of your situation and develop a plan to get you out of debt!

What to expect at your Free Consultation:

At this consultation, I first go through and get a complete list of your debts, including:

  • Mortgages
  • Vehicle Loans
  • Credit Cards
  • Medical Bills
  • Student Loans
  • Tax Debt (PROPERTY, IRS, STATE and CITY)
  • Pay Day Loans
  • Personal Loans (Even Personal Loans from Family Members)
  • Utility Bills
  • Lawsuits and Judgments
  • Any other debts of any kind you have

I will then take you through your potential assets, including:

  • Real-estate
  • Vehicles (Boats, Trailers, Snowmobiles, etc)
  • Cash
  • Bank Accounts
  • Potential Lawsuits
  • People who owe you money
  • Stocks, bonds, mutual funds, 401Ks and IRA’s
  • Life Insurance
  • Any other assets of any kind you have

Next, I will take you through all of your income and expenses, including:

  • Income from employment
  • Income from self-employment
  • Income from social security, or other retirement income
  • Expenses needed for your basic living
  • Expenses needed for your business or self-employment
  • Any other Income or Expenses of any kind that you have

Lastly, after I have a complete understanding of your financial situation I will take you through an educational packet which I will provide you with at your free consultation.  My educational packet will provide you with:

  • The difference between the different kinds of bankruptcy
  • The Bankruptcy Process, and what to expect when filing bankruptcy
  • My advice on what you should do IF you are going to file bankruptcy
  • My advice on what kind of bankruptcy you should, or should not do
  • A written quote on what your total bankruptcy will cost you, including all court costs, credit counseling fees
  • A written payment plan to make your bankruptcy affordable to you

At the end of the free consultation, I will review any last questions you have and it’s your choice what to do next.  Some people decide to get started on the spot, some people wait a day or two to get started, and some clients come back three years later to finally get started.  Regardless, I believe the consultation should be no pressure, you need to make the decision, with my advice, when is the best time for you to file bankruptcy.  During the free consultation I will simply advise you if bankruptcy is a viable option or if other options may be available for you, you will then be able to make the decision when you want begin the process of receiving your fresh start!

 

I offer a one-hour in-depth consultation at no cost to explain the options you have to obtain a fresh start Call 734-779-9999 today!

 

Peter Behrmann is a Michigan Bankruptcy Lawyer.  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.

Photo Credit:  TooFarNorth

 

Other Bankruptcy Attorneys Blogging on the Letter “F”:

  • Failure Begets Success – Philadelphia Suburban Bankruptcy Lawyer, Chris Carr
  • Family Farmer/Fisherman – Omaha and Lincoln, Nebraska Bankruptcy Attorney, Ryan D. Caldwell           
  • Financial Fatigue – Cleveland Area Bankruptcy Lawyer, Bill Balena       
  • First – Northern California Bankruptcy Lawyer, Cathy Moran
  • Foreclosure – Colorado Springs Bankruptcy Attorney Bob Doig   
  • Foreclosure  – Kauai Bankruptcy Attorney, Stuart Ing          
  • Foreclosure  – Jacksonville Bankruptcy Attorney, Monica D. Shepard           
  • Forgiveness of Debt  – Los Angeles Bankruptcy Attorney, Mark J. Markus   
  • Forms – Jacksonville, Florida Bankruptcy Attorney, J. Dinkins G. Grange      
  • Fraud  – Philadelphia Bankruptcy Attorney, Kim Coleman     
  • Fraudulent Transfer – Downriver, Michigan Bankruptcy Attorney, Christopher McAvoy           
  • Fraudulent Transfer – San Francisco Bankruptcy Attorney, Jeena Cho 
  • Free Consultation – Wisconsin Bankruptcy Lawyer, Bret Nason   
  • Fresh Start – Marin County Bankruptcy Attorney, Catherine Eranthe       
  • Fresh Start – Metro Richmond Consumer and Bankruptcy Attorney, Mitchell Goldstein           
  • Fresh start – Daniel J. Winter, Chicago Bankruptcy Lawyer           
  • Future Flow Agreement – New York Bankruptcy Lawyer, Jay S. Fleischman             
  • Bankruptcy Attorney Fees – Michigan Bankruptcy Attorney Kurt OKeefe