Livonia Michigan Bankruptcy - Michigan Bankruptcy Blog

Livonia Michigan Bankruptcy

Michigan Bankruptcy Blog

Livonia Bankruptcy Lawyers That Have Helped Thousands Receive a Fresh Start

Posted by Peter Behrmann, Esq. On February 24th

Peter Behrmann and Jeri Behrmann, attorneys at Phoenix Law, one of Metro Detroit’s leading bankruptcy law firms based in Livonia, have helped over a thousand families in and around Livonia receive a fresh start.

Livonia Bankruptcy Attorneys

Husband & Wife Lawyers Focused On You

“We are not one of the large firms the focus on volume, we have always focused on our clients.” Said Peter Behrmann. “We strive to provide personalized service unlike any other firm in the metro Detroit area. At our firm, you will meet directly with myself, we will prepare your petition, and I will go to court with you.” Peter continued. It is important to note that while other large firms advertise that they have filed over 10,000 cases, these cases have been filed by dozens of attorneys over dozens of years. Clients of those firms will get a bankruptcy, but then end up having different attorneys at every meeting and different attorneys at their court hearings. “The fact is having an attorney you have never met before show up to represent you at court really adds to the stress of an already stressful process.” Added Jeri Behrmann. “Our clients enjoy knowing that we will be the ones handling their cases from start to finish.”

Phoenix Law represents clients throughout the Metro Detroit area who are facing Chapter 7 or Chapter 13 bankruptcy as well as those facing foreclosure to prevent it from happening. They also help clients struggling with credit card debt, car repossession, bad investments, and too many medical bills. Phoenix Law has been in business since 2008 and has helped thousands of people get the fresh start they deserve.

ABOUT PHOENIX LAW: 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.

Bankruptcy Law Firms filing for Bankruptcy in Michigan!

Posted by Peter Behrmann, Esq. On March 19th

Bankruptcy Law Firms filing for Bankruptcy!Bankruptcy Court

 

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.

Bankruptcy Median Income for Michigan Changing

Posted by Peter Behrmann, Esq. On October 30th

Bankruptcy Median Income for Michigan Changing November 1, 2012

 

Come November 1, 2012, the Median Income for Michigan used for bankruptcy eligibility will be changing once again.  The Median Income last changed May 1, 2012. The Median income figures are used in figuring out the first part of the “Means Test” that is required when figuring out if you are eligible for Chapter 7 Bankruptcy, or for figuring out in Chapter 13 Bankruptcy if you will be required to commit to a 36, or a 60 month repayment plan.

 

Michigan Median Income Figures:

 

Family Size

 

1 Person

2 People

3 People

4 People

Current Median

$45,056

$51,660

$60,313

$72,454

After November 1st

$44,116

$51,554

$60,464

$72,366

*Plus 7,500 for each person over 4

 

Chapter 7 – Median Income

 

In a Chapter 7 Bankruptcy, the Median Income figure is used to see if you pass the first part of the Means Test.  For example, a single guy making $60,000 per year would not pass the Median Income portion of the Means Test and would most likely have to file a Chapter 13 Bankruptcy.  Whereas, a family of four people making $60,000 per year would most likely pass the Means Test and be eligible for a Chapter 7 Bankruptcy.

 

Chapter 13 – Median Income

 

In a Chapter 13 Bankruptcy, the Median Income figure is used to determine your commitment period to the bankruptcy.  For example, a single guy making $60,000 per year would have a commitment period of 60 months if he was to file a Chapter 13 Bankruptcy.  Whereas, a family of four people making $60,000 per year would have a commitment period of 36 months if they were to file a Chapter 13 Bankruptcy.

 

Impact of the New Median Income Figures

 

The impact of the new Median Income figures is that less people will now be eligible to file Chapter 7 bankruptcy then prior to November 1, 2012. For people looking to do a Chapter 13 Bankruptcy, less people will be eligible for a shorter 36 month, over the longer 60 month commitment period.  The largest change is the Median Income for a single individual which is dropping to $44,116, almost a $1,000 decline.  What this means is that single individuals in Michigan are simply making less money than they were six months ago.

 

 

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.

Keeping a Car in a Chapter 13 Bankruptcy

Posted by Peter Behrmann, Esq. On September 21st

Keeping a Car in a Chapter 13 Bankruptcy

In a Chapter 13 Bankruptcy, you have a few more options on keeping a car then you do in a Chapter 7 Bankruptcy.  You can use a Chapter 13 bankruptcy to keep a car that you are behind on payments on and/or get a car back that has already been repossessed.  Also, you can lower your car payment to a more manageable payment and even lower the interest rate to a more manageable rate. 

The first thing we look at when you’re looking to keep a car in a Chapter 13 bankruptcy is the basic facts surrounding your vehicle.  We need to know:

  • How much you owe on your car?
  • Who is your vehicle lender? (Ford Credit, Capital One, etc.)
  • What are your monthly payments?
  • What is your interest rate on the vehicle loan?
  • What is your car worth?
  • When did you purchase the vehicle?
  • Have you ever refinanced your vehicle lone?

With the information above we then determine if it makes sense for you to keep your car loan current and paid direct by you.  Or if it would be more beneficial for you to have the Chapter 13 Bankruptcy Trustee make the car payments for you. 

Usually, we decide to have you continue making your car payments directly if you are 100% current on your car loan and have an interest rate of less than 5% on your vehicle.  In these situations, the bankruptcy is most likely not going to save you any money on your car loan and having you continue to make the payments directly will actually cost you less in the long run and provide more money to your other creditors. 

On the flipside, if you have an interest rate more than 5%, you’re not 100% current on your car loan, or you happen to owe more on your car then your vehicle is worth we will most likely make the decision to have your Chapter 13 payment include your vehicle payment.  For example, if you happened to purchase a car through Credit Acceptance or Santander you most likely have a car loan with an interest rate of 19% to 24.99%.  If we have you continue paying your car payment you have to continue paying that high interest rate, where if I have the Chapter 13 Bankruptcy Trustee pay the car payment for you we can modify the interest rate to 5%!  Simply by lowing your interest rate can come with substantial savings to you that we can use to help get your home current, pay back tax bills, or simply pay other unsecured debt that you would not otherwise be able to pay.

Further, if you have purchased your vehicle more than 910 days ago (2.5 years) and you happen to owe more on your car then it is worth, we can go even further and cram down the amount that you owe on your car to the current value of your car.  So if you happen to owe $10,000 on a car loan with an interest rate of 19% and the car is only worth $6,000.  We can modify and cram down your car loan in a Chapter 13 plan to an interest rate of 5% and only pay back your car lender back the $6,000 that you vehicle is worth. 

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.

“N” is for Non-Attorney Bankruptcy – Livonia Michigan

Posted by Peter Behrmann, Esq. On April 30th

“N” is for Non-Attorney Bankruptcy

You do not need an Attorney to file Bankruptcy.  In fact, when you first meet with me I have to give you a disclosure that tells you can file your own bankruptcy, hire an attorney, or use a Bankruptcy Petition Preparer.

Written Notice Required by 11 U.S.C. Section 527(b)

IMPORTANT INFORMATION ABOUT BANKRUPTCY ASSISTANCE SERVICES FROM AN ATTORNEY OR BANKRUPTCY PETITION PREPARER.

  • If you decide to seek bankruptcy relief, you can represent yourself, you can hire an attorney to represent you, or you can get help in some localities from a bankruptcy petition preparer who is not an attorney.  THE LAW REQUIRES AN ATTORNEY OR BANKRUPTCY PETITION PREPARER TO GIVE YOU A WRITTEN CONTRACT SPECIFIYING WHAT THE ATTORNEY OR BANKPRUPTCY PETITION PREPARER WILL DO FOR YOU AND HOW MUCH IT WILL COST….

So you have three Choices, you need to decide what to do and how to get there.

Choice #1 – The Do it Yourself Bankruptcy

If you do not want to hire anyone you can download all of the court forms from the internet and fill them all out correctly and file your case on your own with the Bankruptcy Court.  The Biggest issue with filing your own bankruptcy is you have no idea what you are doing, or what you may lose.  People who file on their own almost always fill their forms out incorrectly.  The Bankruptcy Trustee can then take your property or belongings, or worse ask the bankruptcy court to deny you a discharge in Bankruptcy if you do not fill the forms out correctly.  I have seen people lose thousands of dollars in assets, just because they did not hire a proper attorney to prepare their bankruptcy petition. 

Choice # 2 – Use a Bankruptcy Petition Preparer

In Metro Detroit, a Bankruptcy Petition Preparer can only charge you up to $100.00 for their service.  The State Bar of Michigan prevents the Bankruptcy Petition Preparer for giving you any legal advice.  Basically, all the Bankruptcy Petition Preparer can do is, give you the forms to fill out, and tell you where the bankruptcy court is to file them for $100.00.  The bad news is a lot of Bankruptcy Petition Preparers charge you much more than $100.00, sometimes more than a Bankruptcy Attorney, but then force you to lie that you never paid them and never met them on your bankruptcy petition and at the bankruptcy court.  The issue is then now you have committed perjury on your bankruptcy petition for not disclosing what you paid your Bankruptcy Petition preparer.  When you get to court the Trustee will ask you again if you have paid anyone to help you with your Petition, again you lie and say no.  Then when the Trustee starts asking you how your filed out the petition, you can’t answer the questions correctly because you did not fill out the petition, so the trustee files a Motion to Dismiss your case and prevent you for getting a discharge for lying on your Bankruptcy Petition, and lying to the court.   

Choice # 3 – Hire a Competent Bankruptcy Attorney

This is by far the best choice when looking to file bankruptcy.  You can read my prior blog entry on how to find the best attorney to file your bankruptcy here.  There have been countless people who lose their assets and never received their bankruptcy discharge because they attempted to use a non-attorney petition preparer or filed on their own.   Now more than ever it is important to use an attorney that practices exclusively in the field of bankruptcy. Because of the bankruptcy law changes that took effect in 2005, bankruptcy is no longer an area of law that an attorney should just do a little bit of work in.  You as a client deserve an attorney that practices in the field of bankruptcy exclusively. 

 

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.

 

Photo Credit: TooFarNorth

 

Other Bankruptcy Attorneys Blogging on the letter “N”

  • Northern California Bankruptcy Court – Marin County Bankrupttcy Lawyer, Cate Eranthe           
  • NACBA – Wisconsin Bankruptcy Lawyer, Bret Nason        
  • Naked – New York Bankruptcy Lawyer, Jay S. Fleischman 
  • Negative Notice – Jacksonville Bankruptcy Attorney J. Dinkins G. Grange
  • Never – Cleveland Bankruptcy Attorney William Balena     
  • No Asset – Metro Richmond Consumer and Bankruptcy Attorney, Mitchell Goldstein           
  • No Asset Report – Honolulu Bankruptcy Lawyer, Stuart T. Ing      
  • Non-exempt Property – Miami Bankruptcy Attorney, Dorota Trzeciecka            /
  • Nondischargeable – Metro Richmond Consumer and Bankruptcy Attorney, Mitchell Goldstein
  • Nondischargeable – Northern California Bankruptcy Lawyer, Cathy Moran           
  • Nondischargeable Debt – Omaha and Lincoln, Nebraska Bankruptcy Attorney, Ryan D. Caldwell           
  • Notice – Colorado Springs Bankruptcy Attorney Bob Doig 
  • Notice – San Francisco Bankruptcy Attorney, Jeff Curl       
  • Notice – Taylor, Michigan Bankruptcy Attorney, Chris McAvoy 
  • Notice of Rights to Claim Exemptions – Charlotte Bankruptcy Attorneys, Collum & Perry           
  • Numbers and New Bankruptcy Laws – Los Angeles Bankruptcy Attorney, Mark J. Markus                       

“M” is for Median Income in Bankruptcy

Posted by Peter Behrmann, Esq. On April 20th

“M” is for Median Income

 

Come May 1, 2012, the Median Income for Michigan used for bankruptcy eligibility will be changing once again.  The Median income figures are used in figuring out the first part of the “Means Test” that is required when figuring out if you are eligible for Chapter 7 Bankruptcy, or for figuring out in Chapter 13 Bankruptcy if you will be required to commit to a 36, or a 60 month repayment plan.

 

Michigan Median Income Figures:

 

Family Size

 

1 Person

2 People

3 People

4 People

After May 1, 2012

$45,056

$51,660

$60,313

$72,454

Current Median

$42,562

$50,738

$60,161

$71,758

*Plus 7,500 for each person over 4

 

Chapter 7 – Median Income

 

In a Chapter 7 Bankruptcy, the Median Income figure is used to see if you pass the first part of the Means Test.  For example, a single guy making $60,000 per year would not pass the Median Income portion of the Means Test and would most likely have to file a Chapter 13 Bankruptcy.  Whereas, a family of four people making $60,000 per year would most likely pass the Means Test and be eligible for a Chapter 7 Bankruptcy.

 

Chapter 13 – Median Income

 

In a Chapter 13 Bankruptcy, the Median Income figure is used to determine your commitment period to the bankruptcy.  For example, a single guy making $60,000 per year would have a commitment period of 60 months if he was to file a Chapter 13 Bankruptcy.  Whereas, a family of four people making $60,000 per year would have a commitment period of 36 months if they were to file a Chapter 13 Bankruptcy.

 

Impact of the New Median Income Figures

 

The impact of the new Median Income figures is that more people will now be eligible to file Chapter 7 bankruptcy then prior to May 1, 2012.  For people looking to do a Chapter 13 Bankruptcy, more people will be eligible for a shorter 36 month, over the longer 60 month commitment period. 

 

 

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.

Photo Credit: ChrisinPlymouth

 

 

Other Bankruptcy Attorneys Blogging on the letter “M”

      

 

 

 

“I” Is for Internal Revenue Service (IRS) Tax Debt in Bankruptcy

Posted by Peter Behrmann, Esq. On March 30th

“I” Is for Internal Revenue Service (IRS) Tax Debt in Bankruptcy

Debt owed to the Internal Revenue Service and the State of Michigan can be discharged in bankruptcy in certain situations!

One of the most common misconceptions about personal income tax debt owed to the IRS is that is cannot be discharged in bankruptcy. 

 However, IRS tax debt can be discharged in a chapter 7 or a chapter 13 Bankruptcy if the following five part rule is met:

  1. The due date for filing a tax return is at least three years before you filed bankruptcy.  This means that as of April 16th of this year any taxes owed from 2008 backwards could be completely discharged in bankruptcy.
  2. The tax return was filed at least two years prior to you filing bankruptcy.  This means if you were filing bankruptcy on April 16th of this year to discharge 2008 taxes, you would have had to file your 2008 taxes before April 15th of 2010.
  3. The tax assessment is at least 240 days old.   Under normal situations, this is not an issue, because most taxes are assessed when filed, or soon thereafter.  This would be an issue if you were recently audited and just received an assessment, or have been attempting to do an offer in compromise with the IRS then you might have to wait the required 240 days before you could discharge your tax debt in bankruptcy.
  4. The tax return is not fraudulent.  Just like in bankruptcy normally, debts created by fraud are not dischargeable in bankruptcy. 
  5. The taxpayer is not guilty of tax evasion.  Basically, you cannot be intentionally trying to avoid your tax liability, and then file bankruptcy. 

Keep in mind that these rules only apply to personal income tax debt.  These rules do not apply to trust fund tax debt (Sales tax, payroll taxes, etc) as these are not dischargeable in bankruptcy.  Further, if the IRS has filed a tax lien on your property the filing of your bankruptcy will not remove the tax lien, it will just remove your personal liability on the debt owed to the IRS, meaning you will still have to pay off the tax lien in order to sell your property in the future. 

In certain situations where you are not eligible to discharge tax debt in Chapter 7 Bankruptcy, a Chapter 13 repayment plan may better treat your situation.  In a Chapter 13 bankruptcy, we can treat your recent tax debt to the IRS and the State of Michigan in a repayment plan where the tax debt is paid back at 0% interest over a three to five year period.  This is often a much better choice then directly paying the IRS, because they continue to incur interest and late fees that they are prohibited from doing when you file a Chapter 13 Bankruptcy.

 

Photo Credit:  Leo Reynolds

 

Peter Behrmann is a Michigan 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.

 

Other Bankruptcy Attorneys Blogging on the Letter “I”

“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  

Livonia Michigan Bankruptcy Attorneys

Posted by Peter Behrmann, Esq. On February 14th

Phoenix Law is a husband and wife run law firm where you will deal with experienced attorneys that practice exclusively in the field of bankruptcy. The staff at Phoenix Law is friendly efficient and qualified to guide you through this difficult and emotional process. Give us a call today to schedule your free initial consultation where you will meet one on one with an attorney (not a paralegal like so many other firms.)

At this consultation we will advise you if bankruptcy is a viable option or if other options may be available for you. You will also find that our fees are very reasonable and further we offer flexible payment plans to assist you throughout this process. Phoenix Law also offers evening and weekend appointments that will work with your schedule. Give us a call today for a free confidential consultation.