In tough economic times, individuals and families look for knowledgeable representatives who can help them obtain stability in their lives. At Gormley and Johnson Law Offices, PLC, our lawyers have been providing legal advice and guidance to clients in Howell, Fowlerville, Lansing/East Lansing, Brighton and throughout Michigan for more than 10 years. We pride ourselves on our knowledge of the federal bankruptcy laws and being able to convey this information in an accurate and timely manner to our clients.
Individuals and families considering Chapter 7 bankruptcy must pass a means test. This is a formula where income and expenses are used to determine if you qualify for filing Chapter 7. Many people often refer to Chapter 7 as the “fresh start” bankruptcy, as you are able to regain control of your finances and start over once your debt has been discharged.
If you do not pass the means test, it doesn’t mean that you can’t file for bankruptcy protection. You may still qualify for Chapter 13 bankruptcy. This type of bankruptcy uses a debt repayment plan, allowing you to repay some of your debts over time without the constant harassment from your creditors. A Chapter 13 may also allow you to catch up on your arrears and prevent your mortgage from being foreclosed.
In addition to handling Chapter 7 and Chapter 13 bankruptcies for individuals in Fowlerville, Howell and throughout the surrounding communities, our attorneys handle a number of issues that are closely related to bankruptcy, or accompany a bankruptcy filing, such as:
- Stopping creditor harassment
- Wage garnishment
Don’t Go It Alone. Contact Us.
You do not have to face bankruptcy alone. Contact Gormley and Johnson Law Offices, PLC, or call us at 1-888-288-5LAW to schedule a free phone consultation and case review. Our office hours are 9 a.m. to 5 p.m. Monday through Friday, with weekend and evening hours by appointment.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.