Chapter 7 Bankruptcy

Detroit Chapter 7 Bankruptcy Lawyer

Chapter 7 bankruptcy – personal bankruptcy – can provide a debtor with a “fresh start” by discharging most of his or her debts. If you are overwhelmed with bills, filing for Chapter 7 bankruptcy may be the right solution for you.

Ann M. Howard is an experienced Detroit Chapter 7 bankruptcy lawyer  who can help lift your burden of debt. She can stop creditor harassment, repossession of property, home foreclosure, and wage garnishment immediately. Ann M. Howard can help you get back on your feet and make a new financial start.

In October 2005, the bankruptcy laws changed, and imposed additional requirements on those seeking to file bankruptcy. Depending on your income, amount of assets, and marital and family status, you may need to file for Chapter 13 bankruptcy.

Attorney Ann M. Howard can advise you regarding your rights, options, and the best way for you to proceed after a simple phone consultation. As an experienced bankruptcy attorney, she possesses expertise that enables her to provide fast and efficient service. In just a few minutes, she can file a Chapter 7 bankruptcy for you. At that instant, creditor harassment and the threat of repossession and foreclosure stop.

After that, the consumer bankruptcy process takes a few months to complete. The Michigan Chapter 7 bankruptcy timeline is as follows:

• With accurate information, it takes one to two weeks to prepare and file the bankruptcy petition.
  
   
• The court mails a court date. 
  
  
• On that date – a court session called the “341 Hearing” – Ms. Howard and her client meet with any creditors who wish to be present and the trustee, an agent of the court who determines if there are any assets the court should take. In most cases, the court does not  seize any assets.
  
  
• A discharge of the debtor’s qualifying debts is sent by the court two or three months later.

Southfield Debt Relief Attorney

With Ann M. Howard’s help, you can make a new start.

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

For a free phone consultation, contact a Detroit Chapter 7 bankruptcy lawyer today, or call 248-356-6162.

Ann M. Howard, Attorney at Law
29777 Telegraph Road
Suite 2425
Southfield, MI 48034-7651
Phone: (248) 356-6162
Fax: (248) 356-6163

Ann M. Howard, Attorney at Law, located in Southfield, Michigan, represents clients throughout the Detroit, Michigan area in communities such as Southfield, Livonia, Plymouth, Farmington Hills, Royal Oak, Huntington Woods, Ferndale, Berkley, Hazel Park, Dearborn, Troy, Bloomfield, Pontiac, Warren, Westland, Sterling Heights, and Ann Arbor.

Monroe County  • Wayne County  •  Livingston County  • Oakland County Macomb County  •  Washtenaw County