Kalamazoo Bankruptcy Lawyers - The Most Effective Debt Relief Option

Is Chapter 7 or Chapter 13 Bankruptcy Right for You?

Declaring bankruptcy is not a shameful act. It is your right, given to you by the U.S. Constitution (Article 1, Section 8, Clause 4). Bankruptcy helps you achieve a fresh start that may otherwise be impossible. It helps you regain financial stability and put an end to harassments from creditors, falling further behind on bills and suffering under the crushing weight of debt.

Most kinds of consumer debt are dischargeable in bankruptcy, and they are some of the most easily dischargeable debts that exist. "Dischargeable debt" is unsecured debt, which includes:

  • Medical debt
  • Credit card debt
  • Personal loans
  • Second mortgages
  • Home equity lines of credit
  • Other debt not tied to property

Chapter 7 and Chapter 13 bankruptcy filings make up the majority of bankruptcy cases. Chapter 7 bankruptcy accounts for about two-thirds of filings each year, and according to the American Journal of Medicine, over three-fifths of bankruptcies are primarily filed because of medical debt.

Here Are Some Other Ways Bankruptcy Can Help You

  1. An immediate automatic stay, which is a court-enforced halt to all creditor collection actions, including repossessions, foreclosure, wage garnishments, levies, lawsuits and all types of harassing communication.
  2. Relief from certain state and federal tax debts.
  3. Financial reorganization:
    • Chapter 7 bankruptcy allows you to free up a substantial portion of income to pay off secured debts, once unsecured debts are discharged.
    • Chapter 13 bankruptcy frees up income while offering greater protections to your home, car and other assets in a court-approved three- to five-year repayment plan that is based on what you can afford.

In Chapter 13 bankruptcy, your dischargeable debt will not be discharged until the completion of your repayment plan, but once the repayment plan is complete, all debts are forgiven. The stipulation is that your creditors and the court must agree to your repayment plan, so some tough negotiations will need to occur.

Should You File for Chapter 7 or Chapter 13 Bankruptcy?

You will be required to satisfy a means test, which determines whether you have sufficient income to pay back a substantial portion of your debts. If you do, your only bankruptcy option may be to file for Chapter 13 bankruptcy relief.

Chapter 13 is likely for you if:

  • You are hoping to prevent foreclosure or property repossession
  • You have substantial priority debts, such as taxes and child support
  • You have excess disposable income and a regular source of income

A Chapter 7 bankruptcy filing will require liquidation of nonexempt property in exchange for the forgiveness of dischargeable debts.

Speak With One of Our Lawyers About Your Debt Relief Options

Bankruptcy is not your only option, but it often offers the greatest legal and financial protections. Our team protects your rights and interests throughout the process, keeping creditors at bay and helping you plan an achievable, stable financial future. Our goal is to help you emerge from bankruptcy with greatly increased financial freedom and disposable income.

Please call us today at (888) 461-7744 to schedule a free initial consultation with an attorney in Grand Rapids or Kalamazoo. We maintain offices in both locations for your convenience.

You deserve financial security and a fresh start!

*We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.


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