Michigan Bankruptcy Law Firm

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Macomb County Bankruptcy Attorney

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The Bankruptcy Process

Have a Macomb County Bankruptcy Lawyer With You Every Step of the Way

Most people consider bankruptcy when the have had trouble paying their bills for a long period of time. Clients have usually tried to everything they can to lower their interest rates or payments. They often borrow money. Yet, at some point it becomes clear they are just too deep in the hole to get out.

Whether due to job loss, divorce, sickness or just having too much debt, bankruptcy can get you relief from the seemingly endless cycle of bills, late and overdue payments, collection calls, and all the stress that comes with debt.

The term often used in the industry is “fresh start,” and that is exactly what happens when a person goes through bankruptcy. While getting out of debt may not put any money directly in your pocket, it sure keeps a lot from going out.

The Formal Process

The formal bankruptcy process can be overwhelming. As a client of the Law Office of Jeffrey J. Randa, we will take the time to go over every step of the bankruptcy process with you in detail, so you know what to expect. It is important for us to answer all of our questions regarding the bankruptcy process. We will explain the common legal terms and the different options available to you. The United States Bankruptcy Court breaks the bankruptcy process into three parts.

  1. Hiring a competent bankruptcy attorney
  2. Filing Chapter 7 Bankruptcy(the most common type of bankruptcy)
  3. The end product: Discharge

Bankruptcy is complicated. The job of a good bankruptcy lawyer is to have a mastery of those complicated laws, rules and procedures and make the process easy for the client. Our Bankruptcy Quick Start Guide is a fast way to become familiar with the bankruptcy process. No law firm makes it easier than the Law Office of Jeffrey J. Randa does.

We make the information gathering process as simple as possible for the client. We have no forms for the client to fill out. Completing all the paperwork is part of the service we provide as a bankruptcy lawyer in the Detroit area. The system is complex enough. We are in the business of simplifying it for our clients. That has always been and will always be our priority.

Where Does This Happen?

Let’s begin by pointing out that filing for bankruptcy is a federal matter. Bankruptcy is not like a divorce, or a DUI case, which are addressed in state courts (like your local district court, or your county circuit court).

Bankruptcy courts are a part of the  United States Federal Court system. As a Macomb County bankruptcy law firm, we handle all of our cases in one central court. The court in which all our cases are filed is technically known as the United States Bankruptcy Court for the Eastern District of Michigan, Southern Division, at Detroit. We refer to this as the Detroit Bankruptcy Court. . Whew!

Macomb County bankruptcy lawyer Jeffrey J. Randa handles cases for clients living in Macomb, Oakland, Wayne, St. Clair and Sanilac Counties. Those cases all have hearings in Detroit and are thus considered “local.”

A Friendly Approach

Time and time again the staff at the Law Office of Jeffrey J. Randa is told by callers and clients how friendly and helpful they are compared to other offices. We consider this the greatest compliment, but we have to earn it afresh every day, and we do.

We take the time to explain the process of getting out debt over the phone, during regular business hours, and make sure all of your questions are answered. The telephone consultation is free, confidential, and no one will ever press you to make an appointment. Our firm expects that you will call around to various bankruptcy attorneys in Michigan. We sure would. When your search is complete, it will be obvious why the Law Office of Jeffrey J. Randa is your number one choice for bankruptcy legal counsel.

If you are in debt, and need to get out, we promise that your call to our office will be answered by a friendly and helpful staff member. If you take the time to speak with our office, we are sure you’ll be glad you did.

Bankruptcy News & Resources - Learn about updates and resources from Macomb County Bankruptcy Law Firm

The Rise in Wage Garnishment Actions

When you fall behind on a debt, your lender can use a variety of legal tools to try to get you to pay. One of the most damaging steps your lender can take, however, is wage garnishment. Wage garnishment can deprive you of money you need to pay your bills and care for your family…. View Article

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What Type of Bankruptcy Should You File?

Once you’ve made that big decision that bankruptcy is the right financial choice for you, you have to decide on something else. Which type of bankruptcy should you file? What chapter is the best chapter for you? The two most common chapters of bankruptcy are Chapter 7 and Chapter 13, but how do you know… View Article

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New Bill Would Help Consumers Get Debts Removed From Credit Reports After Bankruptcy

Filing for bankruptcy protection means the bulk of debts are discharged. With the help of a Utica bankruptcy attorney, you may be able to file Chapter 7 bankruptcy and be absolved of your responsibility to pay back money owed. After a debt is discharged in bankruptcy, creditors are no longer legally able to make any… View Article

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