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Stop Harassing Calls From Creditors. Stop Foreclosures and Repossessions. Get A Fresh Start Today.
Get A Fresh Start Today
Chapter 7 bankruptcy erases most debts giving the filer a fresh start with his or her credit. It generally lasts about four to five months from the time the case is filed until it is completed. People who have a large amount of unsecured debt, such as credit cards, personal loans, utilities, payday loans, cash advances, monies owing after vehicle repossessions, garnishments and medical bills are typically good candidates for chapter 7 bankruptcy. In the majority of cases, a person can keep their home, car, and other valuables, when he or she files.
Chapter 13 Bankruptcy is a repayment plan that allows a person to repay some or all of his or her debts through a payment plan approved by the Bankruptcy Court. The repayment plan amount to the Bankruptcy Court is typically determined by examining a person's household income and expenses and then determining the amount of available money left over after the payment of all household expenses. Thus, for most persons, the amount of money they repay to their creditors each month is based upon their ability to pay and based upon the amount they can afford to repay after the payment of ongoing living expenses. A Chapter 13 Trustee is appointed by the Bankruptcy Court who accounts for the payments each month and sends them to the creditors.
Chapter 11 is typically used to reorganize a business, which may be a corporation, sole proprietorship, or partnership. A corporation exists separate and apart from its owners, the stockholders. The chapter 11 bankruptcy case of a corporation (corporation as debtor) does not put the personal assets of the stockholders at risk other than the value of their investment in the company's stock. A sole proprietorship (owner as debtor), on the other hand, does not have an identity separate and distinct from its owner(s). Accordingly, a bankruptcy case involving a sole proprietorship includes both the business and personal assets of the owners-debtors. Like a corporation, a partnership exists separate and apart from its partners. In a partnership bankruptcy case (partnership as debtor), however, the partners' personal assets may, in some cases, be used to pay creditors in the bankruptcy case or the partners, themselves, may be forced to file for bankruptcy protection.
The Attorneys at Sanfield Law are experts in Debt Settlement. If you want to settle your debt for pennies on the dollar, call our office at 586-573-9000 for a Free Consultation.
Our experienced attorneys can help you keep your home and stop foreclosure. Call our law firm today at 586-573-9000 for a free consultation.
ERase medical debt
Chapter 7 Bankruptcy will erase your medical debt. Chapter 13 Bankruptcy allows you to pay the medical debt back over a period of 3 to 5 years. The amount you pay back varies for each person but it can be as low as pennies on the dollar.
The experienced attorneys at Sanfield Law stop garnishments and frequently get back the money that was previously garnished by the creditor. If your wages have been garnished, call the expert lawyers at Sanfield Law today for a free consultation 1-586-573-9000.
Our experienced attorneys can help you keep your vehicle if you are behind on your payments. Call our law firm today at 586-573-9000 for a free consultation.
What Our Clients Are Saying
Excellent Treatment
"I was nervous about filing bankruptcy. But the staff made me feel very comfortable, explained everything in detail and worked with my schedule so I didn't have to miss work! It was very comforting to have them in court by my side. I would highly recommend Sanfield to everyone! They charge a fair price and go the extra mile!"
"I was nervous about filing bankruptcy. But the staff made me feel very comfortable, explained everything in detail and worked with my schedule so I didn't have to miss work! It was very comforting to have them in court by my side. I would highly recommend Sanfield to everyone! They charge a fair price and go the extra mile!"
Professional and Friendly Service
"Mr. Sanfield is a true professional in his field! He is very knowledgeable, prompt, and friendly! Mr. Sanfield got me great results in a timely manner. I would highly recommend Mr. Sanfield as someone that will fight for you. Outstanding Service! Thank you for everything!"
"Mr. Sanfield is a true professional in his field! He is very knowledgeable, prompt, and friendly! Mr. Sanfield got me great results in a timely manner. I would highly recommend Mr. Sanfield as someone that will fight for you. Outstanding Service! Thank you for everything!"
High Quality Service, Friendly, and Very Knowledgeable.
"Joshua Sanfield is an excellent attorney. He is very thorough in preparation of your case. I was very nervous about going to court, but every step of the way Mr. Sanfield reassured me that everything would be alright and it was! I have recommended him to people who are looking for a knowledgeable, trusting, friendly confident and reasonable attorney. Mr. Sanfield is very organized with your paperwork and tells you everything you need to do step by step. He is available to answer any question no matter how small or how many times you ask it. He makes sure you understand what is happening in your case and what is required of you. I chose Mr. Sanfield from an advertisement in the yellow pages. It was the best decision I made!"
"Joshua Sanfield is an excellent attorney. He is very thorough in preparation of your case. I was very nervous about going to court, but every step of the way Mr. Sanfield reassured me that everything would be alright and it was! I have recommended him to people who are looking for a knowledgeable, trusting, friendly confident and reasonable attorney. Mr. Sanfield is very organized with your paperwork and tells you everything you need to do step by step. He is available to answer any question no matter how small or how many times you ask it. He makes sure you understand what is happening in your case and what is required of you. I chose Mr. Sanfield from an advertisement in the yellow pages. It was the best decision I made!"
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28850 Mound Rd. Warren, MI 48092 |
