Personalized Attention To Your Unique Legal Needs

Protecting Your Finances Through Bankruptcy

In the wake of the recent economic crisis, it has become more common than ever for individuals and families to fall behind on their financial obligations. Whether you have lost your job, have been injured and are unable to work, or have experienced a change in your mortgage interest rates, it is important to know that you may have options for pursuing relief from your debt concerns.
At the McGivney Law Firm, PLLC, our Chapter 7 and Chapter 13 bankruptcy lawyers understand the fear and worry associated with overwhelming debt. With your best interests and your financial future always in mind, we work to provide the personalized advice you need to understand your debt relief options, including filing for Chapter 7 and Chapter 13 bankruptcy.
You can learn more today about taking control of your financial well-being. Call us at 810-229-2971 to schedule a free consultation.

Ending Debt Worries And Helping You Rebuild Your Credit

Our guidance can help you in a wide range of situations, including those involving:

  • Wage, bank and tax garnishment
  • Credit card debt
  • Repossessions
  • Foreclosure proceedings
  • Loss of income or employment
  • Divorce
  • Other financial disaster
  • Serious health concerns
  • Harassment from creditors
  • Low-income situations

By filing for Chapter 7 or Chapter 13 relief, you can put an immediate end to foreclosure proceedings, repossessions, wage garnishments and the harassing calls from creditors and bill collectors.

An effective strategy for eliminating debt associated with credit cards, medical bills, mortgage loans and personal loans, Chapter 7 bankruptcy allows for the discharge of your debts. Conversely, Chapter 13 bankruptcy allows you to restructure your debts so that they can be repaid manageably over a set period of time (usually three to five years).

To help you obtain the most beneficial Chapter 7 or Chapter 13 filing possible, we take great care to perform a detailed examination of your finances, your income and your goals before offering advice on the proper timing for your filing and which of your assets can be protected from the process.

Removing The Weight Of Your Financial Concerns

A Chapter 7 or Chapter 13 filing can lead to the elimination of your debt in just a few months’ time (for Chapter 7) or a few years’ time (for Chapter 13), allowing you to focus on your future rather than your troubling past. We work to help you complete the most detailed application possible in an effort to increase your chances of a smooth and beneficial filing.

While a bankruptcy may remain on your credit report for up to 10 years, the process can get you back on your feet within two or three years while you work to rebuild a credit standing that is likely already damaged beyond repair. By pursuing Chapter 7 or Chapter 13 bankruptcy, you may be able to start improving your credit right away.

Contact Our Office For Detailed Chapter 7 And Chapter 13 Guidance

Our staff is active with the American Bankruptcy Institute and National Association of Consumer Bankruptcy Attorneys, allowing us to stay current on changes to bankruptcy laws and the filing process.

To schedule a free consultation to discuss your Chapter 7 and Chapter 13 bankruptcy concerns, or to learn if the process is right for you, please contact our office online or call 810-229-2971.

Additionality, we are proud to be designated as a debt relief agency. We continue to be happy to help people file for genuine bankruptcy relief under the Bankruptcy Code.