Bankruptcy

Bankruptcy Attorneys Located in Grand Rapids and Serving All of West Michigan

When calls from creditors, wage garnishment and the threat of foreclosure or repossession become too difficult to handle, filing for bankruptcy can give you relief. As soon as you file for bankruptcy, an automatic stay goes into effect. This means that creditors cannot garnish your wages or even call you to try to collect from you until your bankruptcy case is resolved or they acquire a federal court order lifting the stay. Depending on your situation, filing for bankruptcy may stop foreclosure and in some cases allow you to keep your property if a refinance or reaffirmation agreement is entered into. Call today for a free consultation.

Debt from medical bills, credit cards and other sources can pile up quickly. If you’re facing overwhelming debt, foreclosure or lawsuits, filing for bankruptcy might be the right option to get a fresh start. At Law Offices of Kelly G Lambert III, PC, in Grand Rapids, Michigan, we will explain the bankruptcy process and help you understand your rights. We Are a Debt Relief Agency Representing People Filing for Bankruptcy Relief Under the Bankruptcy Code.
When you need an experienced and dedicated lawyer to represent you in bankruptcy court, call 616-732-8888 or contact us online to schedule a free initial bankruptcy consultation.

Benefits of Filing Bankruptcy

When calls from creditors, wage garnishment and the threat of foreclosure or repossession become too difficult to handle, filing for bankruptcy can give you relief. As soon as you file for bankruptcy, an automatic stay goes into effect. This means that creditors cannot garnish your wages or even call you to try to collect from you until your bankruptcy case is resolved or they acquire a federal court order lifting the stay. Depending on your situation, filing for bankruptcy may stop foreclosure and in some cases allow you to keep your property if a refinance or reaffirmation agreement is entered into.

Which Type of Bankruptcy Do You Qualify For?

CHAPTER 7 BANKRUPTCY

Chapter 7 bankruptcy, sometimes called “liquidation bankruptcy” allows people who qualify to discharge many of their debts, including debt from credit cards and medical bills. There are multiple qualifying tests and other considerations regarding the retention of your personal property that must be considered before a decision can be made as to whether a Chapter 7 bankruptcy petition makes sense.

Chapter 13 Bankruptcy

If you earn too much, or if you have debts that cannot be discharged, Chapter 13 bankruptcy may be a better option for you. In this kind of bankruptcy, also known as “reorganization” bankruptcy, you can create a plan to pay back some or all of your debt over a longer period of time through the course of your bankruptcy.

Our Approach

As a bankruptcy debt relief agency, we help people file for bankruptcy relief under the Bankruptcy Code. Sometimes clients do not qualify for bankruptcy, and other times there’s a different relief option that is in the client’s best interests. When that happens we will negotiate with creditors to help our clients find relief through fair settlements.

Whatever your situation, we will work with you to find an affordable legal solution to your debt. Please call 616-732-8888 orcontact us online to schedule a free initial consultation. We will listen to your concerns and answer your questions; more importantly, we will acquire bankruptcy results and solutions for you. Appointments are available and at Grand Rapids office on weekends and evenings by request.

Affordable Legal Help

Whatever your situation, we will work with you to find a practical and affordable legal solution to your debt. Please call 616-732-8888 or contact us online to schedule a free initial consultation. We offer competitive attorney’s fees and payment plans are available. We will listen to your concerns and answer your questions. Appointments are available on weekends and evenings by request. For your convenience, we will accept all major credit cards.

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We Are a Debt Relief Agency Representing People Filing for Bankruptcy Relief under the Bankruptcy Code.