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

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…

What is a Chapter 7 Bankruptcy Case?

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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