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23843 Joy Rd
Dearborn Heights, MI 48127
Monday: 9 AM-5:15 PM
Tuesday: 9 AM-5:15 PM
Wednesday: 9 AM-5:15 PM
Thursday: 9 AM-5:15 PM
Friday: 9 AM-5:15 PM
Saturday: 9 AM-12 PM
Sunday: Closed
We offer late night appointments as late as 6:30 by phone or in person Mon-Thur.
Getting a fresh start is just a click away with Frego & Associates Law Firm, Michigan’s largest bankruptcy filer for the past 20 years. If you’re overwhelmed by debt or facing creditor harassment, we’re here to help you take control of your finances and rebuild your future. With over 40,000 bankruptcy cases filed, our expertise in consumer bankruptcy ensures you get the relief you need.
We offer free consultations and free bankruptcy analysis to help you explore your options without any cost or obligation. Our legal team also assists with credit repair and judgment removal, giving you the tools to move forward with confidence. For over 25 years, we’ve been serving Michigan residents with trusted, results-driven legal representation.
Accredited by the Better Business Bureau and ranked among the best attorneys in Michigan, Frego & Associates is committed to helping you achieve lasting financial stability. Take the first step today. Contact us at 1-800-646-0075 now and get your life back.
When considering bankruptcy in Westland, understand the different types available under the U.S. Bankruptcy Code. Each type is designed for specific financial situations, whether you’re an individual or a business owner. The most common types are Chapter 7, Chapter 11, and Chapter 13.
Chapter 7 bankruptcy is often referred to as “straight bankruptcy.” It’s the most common option for individuals in Westland who are overwhelmed with unsecured debt, such as credit cards, medical bills, or personal loans.
Key Features:
Best For: Individuals with little to no income, few assets, and high unsecured debt.
Chapter 11 bankruptcy is primarily used by businesses in Westland that want to stay open while restructuring their debts. It can also apply to high-net-worth individuals with complex finances.
Key Features:
Best For: Westland businesses with significant assets or revenue but in need of restructuring to stay afloat.
Chapter 13 is ideal for individuals with a regular income who want to keep their property and catch up on debt through a structured repayment plan.
Key Features:
Best For: Individuals in Westland with steady income, who can afford to repay some debts over time and want to avoid losing their home or car.
Bankruptcy is often viewed as a last resort, but in many cases, it can be the most responsible step toward financial recovery.
Here are some clear warning signs that it might be time to explore your bankruptcy options in Westland:
If your debt continues to grow despite your best efforts to make payments, and you’re only able to cover minimums, or worse, use one credit card to pay another. It could be a sign that your financial situation is no longer sustainable.
Falling behind on housing payments puts you at risk of foreclosure or eviction. If you’re choosing between paying for essentials like food or keeping a roof over your head, it may be time to consider bankruptcy as a way to protect your home and regain control.
Persistent phone calls, emails, or letters from creditors can be more than stressful; they are often a sign that your debts have become unmanageable. Bankruptcy can provide you protection from creditors through an automatic stay.
If creditors have started suing you or your paycheck is being garnished, you’re already in the legal phase of debt collection. Filing for bankruptcy may halt these actions and help you take back control of your income.
Filing for bankruptcy may feel overwhelming, but understanding the process can ease anxiety and help you prepare for each step. If you are a Westland resident, your case will be handled under federal law but processed through local courts in Michigan.
Start by meeting with our bankruptcy attorney. We’ll assess your financial situation and help determine whether bankruptcy is the right option, and if so, which chapter best fits your needs.
Before filing, you must complete a mandatory credit counseling session from an approved agency. This is required under federal law and ensures you’re informed about alternatives and the consequences of bankruptcy.
Once you’ve gathered the required documents (debts, assets, income, expenses), your attorney will file your bankruptcy petition with the U.S. Bankruptcy Court for the Eastern District of Michigan, which serves Wayne County, including Westland.
Immediately after filing, an automatic stay goes into effect. This court order halts all collection actions, including:
About a month after filing, you’ll attend a brief hearing where creditors can ask questions about your financial situation. Don’t worry, most cases are straightforward, and creditors often don’t even show up.
If you complete your case successfully, the court will issue a discharge order, eliminating most of your debts and giving you a fresh financial start.
Bankruptcy offers a clean financial slate. Here’s what you can expect after your case is discharged:
When you’re facing overwhelming debt, the law firm you choose matters. At Frego & Associates, we specialize in helping people just like you take back control of their finances and their future.
With FREE consultations, FREE bankruptcy analysis, and a FREE credit repair specialist, getting started is simple and stress-free.
Get your free consultation with a Westland bankruptcy lawyer today.
Source:
[1] Westland, MI | Data USA. (n.d.). Data USA. https://datausa.io/profile/geo/westland-mi/
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: 9 AM-5:15 PM
Tuesday: 9 AM-5:15 PM
Wednesday: 9 AM-5:15 PM
Thursday: 9 AM-5:15 PM
Friday: 9 AM-5:15 PM
Saturday: 9 AM-12 PM
Sunday: Closed
We offer late night appointments as late as 6:30 by phone or in person Mon-Thur.