Our Practice Areas
Together, attorneys Firebaugh & Andrews have dedicated themselves for over 50 years to helping people and businesses in Wayne County…
Bankruptcy Chapter 7
In a Chapter 7 bankruptcy you wipe out your debts and get a “Fresh Start”. Chapter 7 bankruptcy is a liquidation where the trustee collects all of your assets and sells any assets which are not exempt.
Bankruptcy Chapter 11
Chapter 11 is frequently known as the reorganization chapter of the bankruptcy code because it allows a debtor to reorganize financial obligations while retaining assets, generally through the sale of certain assets to pay down debt and refinance existing debts.
Bankruptcy Chapter 13
Under a chapter 13 bankruptcy, a debtor proposes a 3-5 year repayment plan to the creditors offering to pay off all or part of the debts from the debtor’s future income. You can use Chapter 13 to prevent a house foreclosure; make up missed car or mortgage payments;
Firebaugh & Andrews Providing Bankruptcy Help
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1
Do I Choose Chapter 7?
Chapter 7 Bankruptcy is known as straight bankruptcy as well as liquidation (converting assets into money) and it is the most common form of bankruptcy. Certain property is protected or “exempted” from liquidation.
2
Do I choose Chapter 11?
Chapter 11 bankruptcy is primarily chosen by businesses (and sometimes individuals with high debt) to reorganize their finances while continuing to operate, rather than shutting down and liquidating all assets. It
3
Do I choose Chapter 13?
Chapter 13 allows you to reorganize you debts into one affordable payment plan If you need time to catch up on your mortgage payments, restructure a car loan, pay past due taxes, or consolidate and reduce credit card payments,
Debt relief
Proven track of successfully resolved cases for over 50 years experience.
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Award winning lawyers ready to help with getting your life back on track.
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Testimonials
Our Customers Reviews
★ ★ ★ ★ ★
4.85
Excellent
We were at the end of our rope. Other agencies said we were going to have to pay some astronomical amounts. They have been so helpful and got us a fair bi-monthly price we could live with. Almost at the end. Thank you, Roberta!
★★★★★
Sandra Paradis
Highly Recommended
Great Service and Roberta was very helpful and understanding
★★★★★
Outstanding client feedback
I remember back in late 2019 when I had debt distress before approaching them. Their office is very friendly, they guided me through all the steps I needed to take to for a single person bankruptcy. The prices were very affordable, the whole process was fast & swift, with them doing all the paper work in the back thus requiring very minimal effort from me.
★★★★★
Jacob Robertson
Have Questions?
Debt Challenges
Credit Card Debt
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The discharge applies only to the debtor in a bankruptcy case. It does not extend to guarantors or cosigners. If anyone else is liable for charges that you made on a credit card, they will still be liable after you file Chapter 7 bankruptcy, regardless of whether the claim is dischargeable against you.
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FORECLOSURE
Have you have fallen behind on your mortgage payments and you are worried about foreclosure? OK, here’s the deal with bankruptcy and foreclosure. Despite what you may have heard, filing for bankruptcy does not necessarily permanently stop a lender from foreclosing on your home. Filing for bankruptcy will always temporarily stop the bank foreclosing on your home.
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MEDICAL EXPENSES
The rising cost of health care and the growing number of Americans without adequate health insurance coverage has led many people to file Chapter 7 bankruptcy to eliminate their medical debts. Read on to learn more about how medical debts are treated in Chapter 7 bankruptcy and how you can wipe them out.
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WAGE GARNISHMENT
If you’re unable to pay your debts you could be subject to wage garnishment, which is where a court requires your employer to pay a portion of your wages directly to a creditor that you owe money to. Many people who are subject to wage garnishment may consider filing for bankruptcy, either as a way to potentially stop the garnishment, or simply due to their financial circumstances.
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CREDITOR HARASSMENT
Bill collectors can be notoriously pushy and rude. Thankfully, you do not have to tolerate their bullying. It is important to clearly understand both your rights and the rights of a collection agency in order to prevent illegal harassment. There are debt collection laws preventing creditors from harassing you – whether through annoying telephone calls, excessive letters, or unwanted personal visits to your home.
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Tax Forgiveness
For the average individual consumer, filing bankruptcy and discharging debts has no tax consequences.
In contrast, if your debts are forgiven or settled outside of bankruptcy, the forgiven amount may be added to your income and subject to tax.
That’s called cancellation of debt income The tax free feature of bankruptcy is one very compelling reason why bankruptcy may be a better choice than debt settlement.
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Have additional questions?
We’re here to help. Let’s talk 734-722-2999.