A Helping Hand For Michigan Families
Over 75 years of combined legal experience advocating debt resolution for our clients.
We look forward to earning your trust.
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.
Almost a year ago to the day, I walked into your office overwhelmed and defeated and hopeless because of where I was at financially as a result of a difficult divorce. This last year has been a long and hard journey.
My Chapter 13 attorney was awesome in court and brought conclusion necessary…
Dear Julie, Thank you for the follow-up on our home foreclosure situation. We managed to borrow the money for our relatives to pay the reinstatement fee. Although it was very embarrassing, we felt it was the best course of action. I would like to thank you for all your help. We did talk to a couple…
My wife and I would like to thank you for your assistance in handling our bankruptcy. Believe me, it was very hard to admit that we had a serious financial problem. Thanks to the professionalism of all your staff, we have been able to overcome our embarrassment and take charge of our lives again.…
From one very satisfied customer!
It has been very pleasant to have Chris Jones helping with the bankruptcy process. At first you think you know everything by reading few things here and there from various web sites. Then when you meet Chris in the first 30 minutes you realize that you really…