Chapter 13 Reorganization…What Is It and How Can It Help Me?

Chapter 13 reorganization

Chapter 13 cases are often called “repayment” or “partial repayment” plans. These are bankruptcy reorganizations, where a payment schedule is set up to deal with your creditors. Chapter 13 is very similar to a debt consolidation program, but with many more special options and protections set up for you…and the power of the Federal Courts to keep every creditor from bothering you!! Continue reading…

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How to Stop Foreclosure on Your Home

stop foreclosure

If you fail to make your required mortgage payments, foreclosure may occur. Foreclosure is the legal means that your lender can use to repossess your home. It allows the lender to seize your property, evict you and sell your home, as stipulated in the mortgage contract. If your property is worth less than the total amount you owe on your mortgage loan, a deficiency judgment could be pursued. If that happens, you not only lose your home, you also would owe your lender an additional amount. Both foreclosures and deficiency judgments could seriously affect your ability to qualify for credit in the future. Fortunately, there are steps you can take to stop foreclosure. Continue reading…

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What is a Chapter 7 Bankruptcy Case?

Chapter 7

The most common form of bankruptcy in America is known as Chapter 7, also called a “Fresh Start” case. It is the most popular because it is quick, relatively easy to navigate, and often costs less than other forms of bankruptcy. In 2013, there were approximately 730,000 Chapter 7 bankruptcy cases filed all over the United States, and almost 26,000 of these were filed in the Metro Detroit area alone!! Continue reading…

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What to Look for in a Bankruptcy Lawyer

bankruptcy lawyer

Bankruptcy lawyers often benefit from a tough economy, but their clients, many of whom know little about the process and have even less time to research it, are usually lost when it comes to seeking the help of an expert. With creditors closing in and desperation and despair mounting, many people foolishly select a bankruptcy lawyer based on price, an advertisement or no criteria at all. Selecting the right person or firm to handle your bankruptcy can mean the difference between an eventual rebound and long-term pain. If you’re considering bankruptcy, here are some things to consider when searching for a bankruptcy lawyer. Continue reading…

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Different Types of Bankruptcies: Chapter 7 vs. Chapter 13

types of bankruptcies


Deciding to file for bankruptcy is no easy decision. How will it impact the future of your financial stability? Will it wipe out all or just some of your debt? Will you lose property like a home or car? What are the different types of bankruptcies and what do they do? Continue reading…

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What is Bankruptcy and What Can it Do For You?


From the earliest of times, lawmakers understood that sometimes bad things happen to good people and those people might need relief from their creditors. In the Old Testament book of Deuteronomy, Moses wrote: “At the end of every seventh year you must cancel the debts of everyone who owes you money” (see Deuteronomy 15:1). Eventually, the idea of allowing people to walk away from some or all of the debts they owe became known as “bankruptcy”. Here in America, the Founding Fathers also recognized this need and wrote at the very beginning of the U.S. Constitution that Congress shall have the power to establish “uniform laws on the subject of Bankruptcy throughout the United States”. Article I, Section 8. Continue reading…

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The Pig, The Chicken … and Breakfast


The old saying goes about breakfast:  the chicken (who provides the eggs) is “involved” with your meal…but the pig (that provides the bacon) is “committed”!!

There are so many options out there for bankruptcy services…how to choose where to go?  You want a firm that is COMMITTED to knowing the law, mastering the issues, and providing top notch representation on YOUR PARTICULAR TYPE OF PROBLEM.

When you need help, don’t look for a “part time” legal provider.  Many attorney offices do 5-7 bankruptcy cases a year, or they might do 10 different areas of the law!!  If you try to do 10 different things, we guarantee you won’t be doing any of them well.  It’s just human nature…you can only split your time and attention so many ways.  And you can only invest in LEARNING so many things.

You want a law firm who makes bankruptcy a SIGNIFICANT portion of their business.  At Frego & Associates, bankruptcy is pretty much all we do.  We are the largest bankruptcy firm in Michigan (and have been for over 12 years!).  In fact, we are one of the 10 largest bankruptcy firms in the entire United States.

Where other law firms are simply “involved” in doing a bankruptcy case here and there…Frego & Associates is COMMITTED to providing the best possible service and advice for you and your family.

Come to Frego & Associates, speak with one of our attorneys about your financial problems, and see what a difference it can make in your life!!  There is a reason we are one of the 10 largest bankruptcy firms in the USA…we are committed to helping our clients all the way through the process, from beginning to end.  And that commitment makes all the difference for you!!

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