Bankruptcy and Debt Relief Services in Michigan

Owe the IRS or the State of Michigan? Some older income tax debts can be discharged in bankruptcy, and Chapter 13 can stop levies while you pay the rest over time.

Student debt is hard to discharge, but not impossible. We handle undue-hardship petitions where the facts support one.

Behind on your mortgage but want to stay in the house? We negotiate with your lender for a lower payment or new terms, and tell you plainly if bankruptcy would protect you better.

Stop a scheduled sheriff's sale and roll the arrears into a plan you can actually pay.

Facing a garnishment, a repossession or a sheriff's sale date this week? An emergency petition stops collection the day it is filed.

Not everyone needs to file. We will tell you honestly if settlement or a payment plan serves you better.

Wipes out most unsecured debt in about four months. For people whose income falls below the Michigan means test.

A court-approved repayment plan that lets you keep your house and your car while you catch up. From $0 down if you are W2 employed.