Helping People Find Relief from Debt in Michigan
Debt from medical bills, credit cards and other sources can pile up quickly. If you are facing overwhelming debt, foreclosure or law suits, filing for bankruptcy might be the right option to get a fresh start. At the Law Offices of Kelly G. Lambert III, P.C. 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 616-773-2764, toll free 1-888-692-9078 or contact us online to schedule a free initial consultation.
Benefits of Filing for Bankruptcy
When calls from creditors, wage garnishments and the threat of foreclosure or repossession become too difficult to handle, filing for bankruptcy can give you relief. As soon as your 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/ reaffirmation agreement are entered.
Which Type of Bankruptcy Do You Qualify For?
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 petition makes sense.
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.
Our Approach
As a 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 is a different debt relief option that is in our clients' 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 616-773-2764, toll free 1-888-692-9078 or contact us online to schedule a free initial consultation. We will listen to your concerns and answer your questions.
Appointments are available in our Grand Rapids office on weekends and evenings by request. We offer competitive attorney's fees and payment plans are available. For your convenience, we accept all major credit cards.
We are a debt relief agency representing people filing for bankruptcy relief under the bankruptcy code.
