Are You Drowning in a Sea of Debt?

Are You Drowning in a Sea of Debt?

File for Chapter 7 or Chapter 13 bankruptcy in Southfield, MI

If you don't see an end to bill payments or creditor harassment, contact Ann M. Howard, P.C. right away. I'll discuss your financial situation with you to see whether you qualify for Chapter 13 or Chapter 7 bankruptcy in Southfield, Michigan.

Chapter 7 bankruptcy can clear your debt completely, whereas Chapter 13 bankruptcy will consolidate your payments and allow you to pay off your debt in three to five years.

We'll review your financial situation together to see which option is right for you. Visit my law firm today for a free in-person consultation.

How do you know which type of bankruptcy to file for?

While most people would choose to file for Chapter 7 bankruptcy to get rid of their debt quickly, not everyone qualifies for it. You should consider filing for Chapter 13 bankruptcy if:

  • You want to keep your property
  • Your household income is above average
  • You can't pass a means test
  • You want to make up your missed car or mortgage payments
  • You'd like to repay your debts
  • You're sharing a debt with someone else

When you visit my firm, be sure to bring copies of your tax returns, income documentation and property information. I'll go over them with you to figure out how to best eliminate your debt.

Contact Ann M. Howard today to learn more about filing for bankruptcy.