Contact us

Ann Arbor/Ypsilanti Office

Monday – Friday : 9:00 am – 5:00 pm
Saturdays : 9:30am – 11:30 by phone only.

Dearborn Heights Office

Monday – Friday : 9:00 am – 5:00 pm
Saturdays : 9:30am – 11:30 in office or by phone.

Flint Office

Monday – Friday : 9:00 am – 5:00 pm
Saturdays : 9:30am – 11:30 by phone only.

Saginaw Office

Monday – Friday : 9:00 am – 5:00 pm
Saturdays : 9:30am – 11:30 by phone only.

Warren Office

Monday – Friday : 9:00 am – 5:00 pm
Saturdays : 9:30am – 11:30 by phone only.

DROP US A LINE

Get A Free Consultation and All of Your Bankruptcy Questions Answered!

© 2025 Frego & Associates All rights reserved

Powered by LawSmiths

img:is([sizes="auto" i],[sizes^="auto," i]){contain-intrinsic-size:3000px 1500px;}img.wp-smiley,img.emoji{display:inline !important;border:none !important;box-shadow:none !important;height:1em !important;width:1em !important;margin:0 .07em !important;vertical-align:-.1em !important;background:none !important;padding:0 !important;}:root{--wp--preset--aspect-ratio--square:1;--wp--preset--aspect-ratio--4-3:4/3;--wp--preset--aspect-ratio--3-4:3/4;--wp--preset--aspect-ratio--3-2:3/2;--wp--preset--aspect-ratio--2-3:2/3;--wp--preset--aspect-ratio--16-9:16/9;--wp--preset--aspect-ratio--9-16:9/16;--wp--preset--color--black:#000;--wp--preset--color--cyan-bluish-gray:#abb8c3;--wp--preset--color--white:#fff;--wp--preset--color--pale-pink:#f78da7;--wp--preset--color--vivid-red:#cf2e2e;--wp--preset--color--luminous-vivid-orange:#ff6900;--wp--preset--color--luminous-vivid-amber:#fcb900;--wp--preset--color--light-green-cyan:#7bdcb5;--wp--preset--color--vivid-green-cyan:#00d084;--wp--preset--color--pale-cyan-blue:#8ed1fc;--wp--preset--color--vivid-cyan-blue:#0693e3;--wp--preset--color--vivid-purple:#9b51e0;--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple:linear-gradient(135deg,rgba(6,147,227,1) 0%,#9b51e0 100%);--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan:linear-gradient(135deg,#7adcb4 0%,#00d082 100%);--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange:linear-gradient(135deg,rgba(252,185,0,1) 0%,rgba(255,105,0,1) 100%);--wp--preset--gradient--luminous-vivid-orange-to-vivid-red:linear-gradient(135deg,rgba(255,105,0,1) 0%,#cf2e2e 100%);--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray:linear-gradient(135deg,#eee 0%,#a9b8c3 100%);--wp--preset--gradient--cool-to-warm-spectrum:linear-gradient(135deg,#4aeadc 0%,#9778d1 20%,#cf2aba 40%,#ee2c82 60%,#fb6962 80%,#fef84c 100%);--wp--preset--gradient--blush-light-purple:linear-gradient(135deg,#ffceec 0%,#9896f0 100%);--wp--preset--gradient--blush-bordeaux:linear-gradient(135deg,#fecda5 0%,#fe2d2d 50%,#6b003e 100%);--wp--preset--gradient--luminous-dusk:linear-gradient(135deg,#ffcb70 0%,#c751c0 50%,#4158d0 100%);--wp--preset--gradient--pale-ocean:linear-gradient(135deg,#fff5cb 0%,#b6e3d4 50%,#33a7b5 100%);--wp--preset--gradient--electric-grass:linear-gradient(135deg,#caf880 0%,#71ce7e 100%);--wp--preset--gradient--midnight:linear-gradient(135deg,#020381 0%,#2874fc 100%);--wp--preset--font-size--small:13px;--wp--preset--font-size--medium:20px;--wp--preset--font-size--large:36px;--wp--preset--font-size--x-large:42px;--wp--preset--spacing--20:.44rem;--wp--preset--spacing--30:.67rem;--wp--preset--spacing--40:1rem;--wp--preset--spacing--50:1.5rem;--wp--preset--spacing--60:2.25rem;--wp--preset--spacing--70:3.38rem;--wp--preset--spacing--80:5.06rem;--wp--preset--shadow--natural:6px 6px 9px rgba(0,0,0,.2);--wp--preset--shadow--deep:12px 12px 50px rgba(0,0,0,.4);--wp--preset--shadow--sharp:6px 6px 0px rgba(0,0,0,.2);--wp--preset--shadow--outlined:6px 6px 0px -3px rgba(255,255,255,1),6px 6px rgba(0,0,0,1);--wp--preset--shadow--crisp:6px 6px 0px rgba(0,0,0,1);}:root{--wp--style--global--content-size:800px;--wp--style--global--wide-size:1200px;}:where(body){margin:0;}.wp-site-blocks > .alignleft{float:left;margin-right:2em;}.wp-site-blocks > .alignright{float:right;margin-left:2em;}.wp-site-blocks > .aligncenter{justify-content:center;margin-left:auto;margin-right:auto;}:where(.wp-site-blocks) > *{margin-block-start:24px;margin-block-end:0;}:where(.wp-site-blocks) > :first-child{margin-block-start:0;}:where(.wp-site-blocks) > :last-child{margin-block-end:0;}:root{--wp--style--block-gap:24px;}:root :where(.is-layout-flow) > :first-child{margin-block-start:0;}:root :where(.is-layout-flow) > :last-child{margin-block-end:0;}:root :where(.is-layout-flow) > *{margin-block-start:24px;margin-block-end:0;}:root :where(.is-layout-constrained) > :first-child{margin-block-start:0;}:root :where(.is-layout-constrained) > :last-child{margin-block-end:0;}:root :where(.is-layout-constrained) > *{margin-block-start:24px;margin-block-end:0;}:root :where(.is-layout-flex){gap:24px;}:root :where(.is-layout-grid){gap:24px;}.is-layout-flow > .alignleft{float:left;margin-inline-start:0;margin-inline-end:2em;}.is-layout-flow > .alignright{float:right;margin-inline-start:2em;margin-inline-end:0;}.is-layout-flow > .aligncenter{margin-left:auto !important;margin-right:auto !important;}.is-layout-constrained > .alignleft{float:left;margin-inline-start:0;margin-inline-end:2em;}.is-layout-constrained > .alignright{float:right;margin-inline-start:2em;margin-inline-end:0;}.is-layout-constrained > .aligncenter{margin-left:auto !important;margin-right:auto !important;}.is-layout-constrained > :where(:not(.alignleft):not(.alignright):not(.alignfull)){max-width:var(--wp--style--global--content-size);margin-left:auto !important;margin-right:auto !important;}.is-layout-constrained > .alignwide{max-width:var(--wp--style--global--wide-size);}body .is-layout-flex{display:flex;}.is-layout-flex{flex-wrap:wrap;align-items:center;}.is-layout-flex > :is(*,div){margin:0;}body .is-layout-grid{display:grid;}.is-layout-grid > :is(*,div){margin:0;}body{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}a:where(:not(.wp-element-button)){text-decoration:underline;}:root :where(.wp-element-button,.wp-block-button__link){background-color:#32373c;border-width:0;color:#fff;font-family:inherit;font-size:inherit;line-height:inherit;padding:calc(.667em + 2px) calc(1.333em + 2px);text-decoration:none;}.has-black-color{color:var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-color{color:var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-color{color:var(--wp--preset--color--white) !important;}.has-pale-pink-color{color:var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-color{color:var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-color{color:var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-color{color:var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-color{color:var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-color{color:var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-color{color:var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-color{color:var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-color{color:var(--wp--preset--color--vivid-purple) !important;}.has-black-background-color{background-color:var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-background-color{background-color:var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-background-color{background-color:var(--wp--preset--color--white) !important;}.has-pale-pink-background-color{background-color:var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-background-color{background-color:var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-background-color{background-color:var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-background-color{background-color:var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-background-color{background-color:var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-background-color{background-color:var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-background-color{background-color:var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-background-color{background-color:var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-background-color{background-color:var(--wp--preset--color--vivid-purple) !important;}.has-black-border-color{border-color:var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-border-color{border-color:var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-border-color{border-color:var(--wp--preset--color--white) !important;}.has-pale-pink-border-color{border-color:var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-border-color{border-color:var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-border-color{border-color:var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-border-color{border-color:var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-border-color{border-color:var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-border-color{border-color:var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-border-color{border-color:var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-border-color{border-color:var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-border-color{border-color:var(--wp--preset--color--vivid-purple) !important;}.has-vivid-cyan-blue-to-vivid-purple-gradient-background{background:var(--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple) !important;}.has-light-green-cyan-to-vivid-green-cyan-gradient-background{background:var(--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan) !important;}.has-luminous-vivid-amber-to-luminous-vivid-orange-gradient-background{background:var(--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange) !important;}.has-luminous-vivid-orange-to-vivid-red-gradient-background{background:var(--wp--preset--gradient--luminous-vivid-orange-to-vivid-red) !important;}.has-very-light-gray-to-cyan-bluish-gray-gradient-background{background:var(--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray) !important;}.has-cool-to-warm-spectrum-gradient-background{background:var(--wp--preset--gradient--cool-to-warm-spectrum) !important;}.has-blush-light-purple-gradient-background{background:var(--wp--preset--gradient--blush-light-purple) !important;}.has-blush-bordeaux-gradient-background{background:var(--wp--preset--gradient--blush-bordeaux) !important;}.has-luminous-dusk-gradient-background{background:var(--wp--preset--gradient--luminous-dusk) !important;}.has-pale-ocean-gradient-background{background:var(--wp--preset--gradient--pale-ocean) !important;}.has-electric-grass-gradient-background{background:var(--wp--preset--gradient--electric-grass) !important;}.has-midnight-gradient-background{background:var(--wp--preset--gradient--midnight) !important;}.has-small-font-size{font-size:var(--wp--preset--font-size--small) !important;}.has-medium-font-size{font-size:var(--wp--preset--font-size--medium) !important;}.has-large-font-size{font-size:var(--wp--preset--font-size--large) !important;}.has-x-large-font-size{font-size:var(--wp--preset--font-size--x-large) !important;}:root :where(.wp-block-pullquote){font-size:1.5em;line-height:1.6;}ul.pagination li.dots.disabled{padding:6px 8px;background-color:#fff;border:1px solid #ddd;}.frm_pagination_cont ul.frm_pagination{display:flex;}.frm_pagination_cont ul.frm_pagination > li{margin:0;}.input-group .form-control{margin-right:0;}.e-con.e-parent:nth-of-type(n+4):not(.e-lazyloaded):not(.e-no-lazyload),.e-con.e-parent:nth-of-type(n+4):not(.e-lazyloaded):not(.e-no-lazyload) *{background-image:none !important;}@media screen and (max-height: 1024px){.e-con.e-parent:nth-of-type(n+3):not(.e-lazyloaded):not(.e-no-lazyload),.e-con.e-parent:nth-of-type(n+3):not(.e-lazyloaded):not(.e-no-lazyload) *{background-image:none !important;}.e-con.e-parent:nth-of-type(n+3):not(.e-lazyloaded):not(.e-no-lazyload).nitro-lazy,.e-con.e-parent:nth-of-type(n+3):not(.e-lazyloaded):not(.e-no-lazyload) *.nitro-lazy{background-image:none !important;}}@media screen and (max-height: 640px){.e-con.e-parent:nth-of-type(n+2):not(.e-lazyloaded):not(.e-no-lazyload),.e-con.e-parent:nth-of-type(n+2):not(.e-lazyloaded):not(.e-no-lazyload) *{background-image:none !important;}.e-con.e-parent:nth-of-type(n+2):not(.e-lazyloaded):not(.e-no-lazyload).nitro-lazy,.e-con.e-parent:nth-of-type(n+2):not(.e-lazyloaded):not(.e-no-lazyload) *.nitro-lazy{background-image:none !important;}}.e-con.e-parent:nth-of-type(n+4):not(.e-lazyloaded):not(.e-no-lazyload).nitro-lazy,.e-con.e-parent:nth-of-type(n+4):not(.e-lazyloaded):not(.e-no-lazyload) *.nitro-lazy{background-image:none !important;}a{color:#2196f3;}.page-id-2552 .swiper-slide{border-color:#e6e6e6 !important;}.sidebar-class .gform_wrapper.gravity-theme .gfield textarea.large{height:130px;resize:unset;outline:unset;}.sidebar-class #gform_submit_button_3{margin:0 auto;width:100%;}.inner-class p{display:flex;margin-bottom:0px;}.page-id-804 .gform_wrapper.gravity-theme .gfield_required{color:#fff;}.page-id-1748 .gform_wrapper.gravity-theme .gfield_label{color:#fff;}.inner-class img.alignnone.size-full.wp-image-1400{width:120px;object-fit:contain;}.inner-class img.alignnone.size-medium.wp-image-1401{width:200px;object-fit:contain;}.box-class img{width:70px;}input{outline:unset !important;}#gform_1 textarea#input_1_4{height:180px;resize:unset;outline:unset;}.contactpage input.wpcf7-form-control.has-spinner.wpcf7-submit{margin:30px auto 0px;display:block;}.contactpage input{color:#27254d !important;outline:unset !important;}section#comments{display:none;}.contactpage input.wpcf7-form-control.has-spinner.wpcf7-submit{background:#d58f76;color:#fff !important;}#wpcf7-f1159-p804-o1 .wpcf7-response-output{color:#fff;text-align:center;}.customrow{display:flex;}.customcol-6{width:50%;padding:0px 15px;}.customcol-12{width:100%;padding:0px 15px;}input.wpcf7-form-control.wpcf7-validates-as-required{background:#f4f1ec;height:58px;color:#fff;font-size:16px;line-height:30px;border-color:transparent;border-radius:5px;padding-left:25px;}input.wpcf7-form-control.wpcf7-text.wpcf7-email.wpcf7-validates-as-email{background:#f4f1ec;height:58px;color:#fff;font-size:16px;line-height:30px;border-color:transparent;border-radius:5px;padding-left:25px;}textarea.wpcf7-form-control.wpcf7-textarea.wpcf7-validates-as-required{display:block;width:100%;height:140px;padding:10px 15px;font-size:16px;line-height:1.5;color:#000;background:#f4f1ec;background-clip:padding-box;border:none;border-radius:5px;transition:border-color .15s ease-in-out,box-shadow .15s ease-in-out;backface-visibility:hidden;box-sizing:border-box;outline:none;-webkit-appearance:none;outline-offset:0;}input.wpcf7-form-control.has-spinner.wpcf7-submit{background:#d58f76;color:#fff;font-weight:400;font-family:"Open Sans",sans-serif;font-size:14px;line-height:24px;border-radius:5px;letter-spacing:2.4px;padding:16px 50px;transition:all .5s ease;}input.wpcf7-form-control.has-spinner.wpcf7-submit:hover{background:#1a1744;color:#fff;}.form-class section#comments{display:block;}h4.widget_title{position:relative;margin-left:60px;}.widget_title::before{position:absolute;content:"";width:50px;height:2px;background:#d58f76;left:-60px;top:14px;}.point_order li{position:relative;padding-left:35px;font-weight:400;line-height:36px;color:#999;}.single-post main#content{margin:35px auto 60px;}.single-post h1.entry-title{display:none;}.redbg a{color:#fff;}.redbg a:hover{color:#fff;text-decoration:underline;}@media (max-width: 1023px){selector br{display:none;}}@media (max-width: 767px){.customcol-6{width:100%;padding:0px 15px;}.customrow{display:unset;}}.real-content > p,.entry-summary > p,.wpb_text_column p{word-wrap:break-word !important;}.elementor-sub-item{min-width:200px;height:auto;}#gform_confirmation_message_4{color:#fff;}#gform_confirmation_message_3{color:#fff;}.custom_form .frm_checkbox,.custom_form .frm_radio{margin-left:0px;margin-bottom:15px !important;}.custom_form .frm_checkbox label,.custom_form .frm_radio label{height:25px;position:relative;padding:0 0 0 25px !important;text-indent:10px !important;margin-bottom:0;cursor:pointer;vertical-align:bottom;}.custom_form .frm_checkbox input[type=checkbox],.custom_form .frm_radio input[type=radio]{position:absolute !important;visibility:hidden;}.custom_form .frm_checkbox label input[type=checkbox],.custom_form .frm_radio label input[type=radio]{position:absolute;opacity:0;cursor:pointer;height:0;width:0;}.custom_form .frm_checkbox span,.custom_form .frm_radio span{position:absolute;top:0;left:0;height:25px;width:25px;background-color:#8a0000 !important;}.custom_form .frm_checkbox label:hover input[type=checkbox] ~ span,.custom_form .frm_radio label:hover input[type=radio] ~ span{background-color:#242424;}.custom_form .frm_checkbox label input[type=checkbox]:checked ~ span,.custom_form .frm_radio label input[type=radio]:checked ~ span{background-color:#8a0000;border:2px solid #8a0000 !important;}.custom_form .frm_checkbox span:after,.custom_form .frm_radio span:after{content:"";position:absolute;display:none;}.custom_form .frm_checkbox label span:after,.custom_form .frm_radio label span:after{border-top-color:#fff !important;border-right-color:#fff !important;border-bottom-color:#fff !important;border-left-color:#fff !important;}.custom_form .frm_checkbox label input[type=checkbox]:checked ~ span:after,.frm_radio label input[type=radio]:checked ~ span:after{display:block;}.custom_form .frm_checkbox label span:after,.custom_form .frm_radio label span:after{left:9px;top:5px;width:5px;height:10px;border:solid #141414;border-width:0 3px 3px 0;-webkit-transform:rotate(45deg);-ms-transform:rotate(45deg);transform:rotate(45deg);}.form-group.frm_submit::before{content:"";position:absolute;top:0;left:0;width:100%;height:1px;background-color:#cecece;}.form-group.frm_submit{position:relative;padding-top:20px;margin-top:20px;}p.custom-message{color:#121212 !important;font-size:18px !important;font-weight:700 !important;}button.frm-reset-page-btn:hover{background-color:#8a0000 !important;}.frm-datepicker .flatpickr-months .flatpickr-prev-month:before,.frm-datepicker .flatpickr-months .flatpickr-next-month:before,.frm-datepicker .ui-datepicker-prev:before,.frm-datepicker .ui-datepicker-next:before{background-color:#fff !important;}.frm_style_formidable-style.with_frm_style .flatpickr-day.today,.frm_style_formidable-style.with_frm_style td.ui-datepicker-today > a{color:#fff !important;}.frm_style_formidable-style.with_frm_style .flatpickr-day.today:hover,.frm_style_formidable-style.with_frm_style td:not(.ui-datepicker-current-day) .ui-state-hover{color:rgba(18,18,18,1) !important;}