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23843 Joy Rd
Dearborn Heights, MI 48127
Monday – Friday : 9:00 am – 5:00 pm
Saturdays : 9:30am – 11:30 in office or by phone
We offer late night appointments as late as 6:30 by phone or in person Mon-Thur.
If you’re struggling with overwhelming debt in Redford Township, our top-rated bankruptcy lawyers are here to help you find relief and regain control of your finances.
We understand how stressful and difficult it can be to face mounting bills, creditor harassment, wage garnishments, or the threat of foreclosure. Whether you’re considering Chapter 7 bankruptcy to wipe out unsecured debts or Chapter 13 to restructure and catch up on payments, we offer personalized solutions tailored to your unique situation.
At our firm, we believe everyone deserves a fresh financial start. Our team provides compassionate, judgment-free support while aggressively protecting your rights throughout the process.
From your first consultation to the resolution of your case, we are committed to helping you navigate bankruptcy with confidence and clarity. If you live in Redford Township and are ready to explore your options or want an online appointment, contact our bankruptcy attorneys today at 1-800-646-0075. Frego Law has been serving Michigan for over 25 years and has filed over 40,000 bankruptcy cases.
In Redford Township, many people turn to bankruptcy when faced with serious financial challenges like job loss, mounting medical bills, divorce, or unexpected emergencies.
Filing for bankruptcy can put an immediate stop to creditor harassment, wage garnishments, lawsuits, and even foreclosure, giving you the breathing room you need to rebuild your financial life.
Chapter 7 is often referred to as “liquidation bankruptcy.” It allows individuals to discharge most unsecured debts, such as credit cards, medical bills, and personal loans. To qualify, you must pass the Michigan Means Test, which evaluates your income and expenses.
In a Chapter 7 case, a trustee may sell non-exempt assets to pay creditors, but Michigan law provides exemptions that typically allow you to keep essentials like your home, car, and retirement accounts. In Eastern Michigan alone, there were 10,869 Chapter 7 recorded cases in 2024. [1]
Chapter 13 bankruptcy is for individuals with a regular income who wish to keep their property while paying back debts over time. It involves creating a repayment plan that lasts three to five years, during which you make affordable monthly payments to a trustee. Chapter 13 can help stop foreclosure, prevent repossession, and catch up on missed mortgage or car payments, while still addressing unsecured debts.
In Eastern Michigan alone, there were 5,344 Chapter 13 recorded cases in 2024. [1]
While Chapter 7 and Chapter 13 are the most common for individuals, other options exist:
Filing for bankruptcy may feel overwhelming, but understanding the steps involved can make the process less intimidating. Here’s a straightforward overview of how bankruptcy works in Redford Township, from start to finish.
Your first step is to schedule a FREE consultation with one of our experienced bankruptcy lawyers. As Michigan’s largest bankruptcy filer, we have helped over 40,000 people get a fresh start.
At your consultation, we’ll review your finances, explain your options, and help you decide if Chapter 7 or Chapter 13 bankruptcy is right for you. Our firm offers free credit repair and judgment removal services to support your recovery.
If you decide to move forward, your attorney will help you gather the necessary financial documents, including income statements, debt records, asset lists, and tax returns.
These documents are used to prepare your bankruptcy petition, which includes detailed information about your finances. You’ll also need to complete a credit counseling course, which is required before you file.
Once your paperwork is complete, your attorney will file your bankruptcy petition with the U.S. Bankruptcy Court for the Eastern District of Michigan, which serves Redford Township. As soon as the petition is filed, an automatic stay goes into effect. This legal protection immediately stops most collection activities, including phone calls from creditors, lawsuits, wage garnishments, and foreclosure actions.
Approximately 30 days after filing, you’ll attend a 341 meeting, also known as the meeting of creditors. During this hearing, the bankruptcy trustee will ask you questions about your petition and finances. Creditors may attend, but they rarely do in most cases. Your attorney will be there to guide and support you throughout this meeting.
Once you’ve completed the necessary steps, whether that’s finishing your repayment plan in Chapter 13 or completing the liquidation process in Chapter 7, you will receive a discharge. This discharge eliminates your responsibility to repay most types of debt, giving you a fresh financial start.
After bankruptcy, you can begin rebuilding your credit and financial life. Many people find they can qualify for new lines of credit, auto loans, or even mortgages within a few years of their discharge. A good attorney will also provide guidance on managing your finances moving forward to avoid future debt problems.
Filing for bankruptcy is often seen as the end, but it’s really a new beginning. Once your case is complete and your debts are discharged, you can finally focus on rebuilding your financial life without the constant stress of overdue bills and creditor harassment.
Many people are surprised to find that they can start rebuilding credit much sooner than they thought. By following smart financial habits, like paying bills on time, keeping balances low, and using credit responsibly, you can steadily improve your credit score. Some filers even qualify for car loans or credit cards shortly after discharge.
With the weight of debt lifted, you can start focusing on your goals again. Whether that means saving for a home, your children’s education, or retirement. Our team offers free credit repair assistance to help you understand how to rebuild credit the right way and move forward with confidence.
Below are some common myths associated with filing for bankruptcy.
Truth: Bankruptcy is a legal tool designed to give people a second chance. Life happens—job loss, medical emergencies, divorce. Filing for bankruptcy is often a responsible step toward a better financial future.
Truth: Most people keep their homes, vehicles, and personal belongings. Michigan exemptions protect many of your assets during bankruptcy.
Truth: You can start rebuilding credit right after your discharge. Many people see improvements within a year and qualify for car loans and credit cards soon after.
Truth: Bankruptcy filings are public records, but unless you’re a public figure, it’s unlikely anyone you know will find out. It’s a private matter between you, your attorney, and the court.
Truth: Most bankruptcy cases result from unexpected hardships like medical debt, job loss, or divorce, not financial mismanagement.
At Frego & Associates, we understand how overwhelming financial struggles can be. As Michigan’s largest bankruptcy law firm, we’ve spent over 25 years helping people in Redford Township and across the state take back control of their finances and their future.
Our firm has filed more bankruptcy cases than anyone else in Michigan’s history. With over 40,000 cases filed, we know the process inside and out.
We treat every client like family. You’ll get personalized solutions tailored to your unique financial situation. Our local Redford Township attorneys and staff are approachable, respectful, and compassionate, focused on helping you make informed decisions with confidence.
We offer FREE consultations, FREE bankruptcy analysis, FREE credit repair services, and judgment removal. Our goal is not just to help you file but to help you recover, rebuild, and thrive after bankruptcy.
Our firm is Better Business Bureau accredited and consistently ranked among the best attorneys in Michigan. We’re proud of the trust thousands of Michigan residents have placed in us, and we’re ready to help you get your life back.
FAQs
Not necessarily. Many people filing Chapter 7 or Chapter 13 bankruptcy are able to keep their home and vehicle. Exemptions protect certain assets, and a Chapter 13 repayment plan can help you catch up on overdue payments while avoiding foreclosure or repossession.
Yes. As soon as you file, the automatic stay goes into effect, immediately stopping wage garnishments, collection calls, lawsuits, and even home foreclosures.
A Chapter 7 bankruptcy typically stays on your credit report for 10 years, and a Chapter 13 bankruptcy for 7 years. However, many people begin rebuilding credit shortly after filing, and it’s possible to qualify for loans, mortgages, and credit cards sooner than you might expect.
In most cases, you only need to attend the Meeting of Creditors (341 hearing), which is an informal meeting with the trustee. It’s not a court appearance, and your attorney will be with you.
Source:
[1] Court statistics | Eastern District of Michigan | United States Bankruptcy Court. (n.d.-b). https://www.mieb.uscourts.gov/court-statistics
Received Accolades:
206-2010, 2012, 2014-2021
American Bankruptcy Institute
Certified as a Bankruptcy Specialist by ABC
National Association of Consumer Bankruptcy Attorneys
Better Business Bureau
23843 Joy Rd
Dearborn Heights, MI 48127
Monday – Friday : 9:00 am – 5:00 pm
Saturdays : 9:30am – 11:30 in office or by phone
We offer late night appointments as late as 6:30 by phone or in person Mon-Thur.