Stop Creditor Harassment — Chapter 13 Bankruptcy in Michigan

At J.R. Grace & Associates we have two decades of experience helping Michigan residents work through Chapter 13 bankruptcy.

The best thing we can do, as bankruptcy attorneys, is demystify the process. While the issue of bankruptcy can be very complicated and intimidating, we make a point to work with you to explain the situation and help determine a solution that best allows you to get on with your life as quickly as possible.

At the end of the day, our goal is to preserve and protect your future — getting you there with the least amount of baggage.

Contact J.R. Grace & Associates online or call 248-841-8773 or toll-free at 888-340-9796 to learn more about how we can help you through Chapter 13 bankruptcy, starting with an initial payment of only $274.*  We will match or beat competitor rates to offer you the best deal.**

How is Chapter 13 Bankruptcy Different from Chapter 7?

Chapter 13 bankruptcy is a debt rehabilitation program, rather than a debt liquidation, allowing an individual to pay off a designated amount of money in a set amount of time. This option is for people who can afford to pay a lesser percentage of their debt — essentially giving them some breathing room.

We will work with you to set up a court-approved plan for repayment under Chapter 13, allowing you to get rid of debt without interest or penalties.

Will I Be Able to Keep My Home and Car?

Under Chapter 13 bankruptcy, individuals are often able to keep their assets, as long as they make enough money to make payments over the term of the plan. You can keep your vehicle and home by spreading payments over a longer period of time.

However, it's best to have an experienced lawyer walk you through this process to ensure you are treated fairly. We are totally dedicated to bankruptcy clients, and for 20 years, we have helped people just like you get relief.

Call our Rochester office at 248-841-8773 or toll-free at 888-340-9796 to schedule a FREE, initial phone consultation or contact us online. Evening and weekend hours are also available by appointment.

BAPCPA disclosure: This is a federally designated debt relief agency. We help people file for bankruptcy under the Bankruptcy Code.

*Filing fee to start, balance in plan, call for details.

**Call for details.