A Helping Hand For Michigan Families
Over 75 years of combined legal experience advocating debt resolution for our clients.
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This depends on the circumstances. In the event of a Chapter 7, we can simply exempt your actual refund or anticipated refund.In the case of a Chapter 13, this depends upon your plan length and the percentage that is being paid to unsecured creditors. Typically if your plan is over 36 months with less than a 100% dividend being paid to unsecured creditors, you are required to remit your refund. There are exceptions, such as if the refund is included as part of the monthly budget necessary to fund your plan. Furthermore, if one-time, unusual costs, such as home repairs, are necessary, your attorney can petition the court to allow you to keep your refunds to pay for such expenses. If you are married and your spouse has not filed bankruptcy with you, he or she is entitled to keep one-half of the refund if you filed your tax returns jointly.
My Name is Sandra, I was a client of your establishment and was serviced by Mr. Beach, Mr. Jones and Cindy Mills. All of them have been wonderful to me and took a great care to make sure everything was satisfactory to me. Every time I called they were ready and willing to assist. Just called Cindy…
Cindy from your office gave me your information for feedback about our case.
Today she sent us a copy of the courts discharge, so our immediate feeling is over joyed to be done with the process. At the beginning we had no idea what to expect, but everyone in your office took their time to…
After five years we finished our chapter 13 plan on June 2. We finally got the discharge and can continue on our new life.
This experience has been very stressful and embarrassing. I am so grateful that Cindy Milln and Chris jones were assigned to us. Both have answered our questions either…
It has been a pleasure working with Cindy Millns and Atty Chris Jones. They answered my email with concerns right away. They guided me through. And Cindy, she is very friendly and always ready to answer my questions. Overall, I will give them 5 shinning stars.