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Serving Wayne, Washtenaw, Jackson, Livingston, Oakland, and most of Southeast and South-Central Michigan.
I will start this page with a warning about so-called debt settlement firms for good
reason.
Only bankruptcy can force creditors to stop all collection action. Debt settlement firms cannot stop creditors from aggressively collecting the money that you owe them.
In fact, the most savvy debt collectors will run straight to the courthouse with a collection suit the minute they hear of your involvement with a debt settlement firm. The result can be garnishment and seizure of your personal property by the sheriff.
Less scrupulous debt settlement firms require that you make payments to them until they have a large amount of your money under their control. In the meantime, creditors may be suing you. After giving all that money over to the debt settlement firm, you may find that you have to file bankruptcy anyway.
If you are in real financial trouble, bankruptcy is the government's plan to help you start fresh. You and I will work as a team to use the federal bankruptcy law to get your head above water. That may mean a Chapter 13 plan to repay your debt, or it may mean a Chapter 7 plan to erase your debt. Only an attorney can help you decide what is right for you.
I am designated as a debt relief agency by the United States Bankruptcy Code.