Michigan Bankruptcy Law Firm

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Macomb County Bankruptcy Attorney

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The Bankruptcy Process

Have a Macomb County Bankruptcy Lawyer With You Every Step of the Way

Most people consider bankruptcy when the have had trouble paying their bills for a long period of time. Clients have usually tried to everything they can to lower their interest rates or payments. They often borrow money. Yet, at some point it becomes clear they are just too deep in the hole to get out.

Whether due to job loss, divorce, sickness or just having too much debt, bankruptcy can get you relief from the seemingly endless cycle of bills, late and overdue payments, collection calls, and all the stress that comes with debt.

The term often used in the industry is “fresh start,” and that is exactly what happens when a person goes through bankruptcy. While getting out of debt may not put any money directly in your pocket, it sure keeps a lot from going out.

The Formal Process

The formal bankruptcy process can be overwhelming. As a client of the Law Office of Jeffrey J. Randa, we will take the time to go over every step of the bankruptcy process with you in detail, so you know what to expect. It is important for us to answer all of our questions regarding the bankruptcy process. We will explain the common legal terms and the different options available to you. The United States Bankruptcy Court breaks the bankruptcy process into three parts.

  1. Hiring a competent bankruptcy attorney
  2. Filing Chapter 7 Bankruptcy (the most common type of bankruptcy)
  3. The end product: Discharge

Bankruptcy is complicated. The job of a good bankruptcy lawyer is to have a mastery of those complicated laws, rules and procedures and make the process easy for the client. Our Bankruptcy Quick Start Guide is a fast way to become familiar with the bankruptcy process. No law firm makes it easier than the Law Office of Jeffrey J. Randa does.

We make the information gathering process as simple as possible for the client. We have no forms for the client to fill out. Completing all the paperwork is part of the service we provide as a bankruptcy lawyer in the Detroit area. The system is complex enough. We are in the business of simplifying it for our clients. That has always been and will always be our priority.

Where Does This Happen?

Let’s begin by pointing out that filing for bankruptcy is a federal matter. Bankruptcy is not like a divorce, or a DUI case, which are addressed in state courts (like your local district court, or your county circuit court).

Bankruptcy courts are a part of the  United States Federal Court system. As a Macomb County bankruptcy law firm, we handle all of our cases in one central court. The court in which all our cases are filed is technically known as the United States Bankruptcy Court for the Eastern District of Michigan, Southern Division, at Detroit. We refer to this as the Detroit Bankruptcy Court. . Whew!

Macomb County bankruptcy lawyer Jeffrey J. Randa handles cases for clients living in Macomb, Oakland, Wayne, St. Clair and Sanilac Counties. Those cases all have hearings in Detroit and are thus considered “local.”

A Friendly Approach

Time and time again the staff at the Law Office of Jeffrey J. Randa is told by callers and clients how friendly and helpful they are compared to other offices. We consider this the greatest compliment, but we have to earn it afresh every day, and we do.

We take the time to explain the process of getting out debt over the phone, during regular business hours, and make sure all of your questions are answered. The telephone consultation is free, confidential, and no one will ever press you to make an appointment. Our firm expects that you will call around to various bankruptcy attorneys in Michigan. We sure would. When your search is complete, it will be obvious why the Law Office of Jeffrey J. Randa is your number one choice for bankruptcy legal counsel.

If you are in debt, and need to get out, we promise that your call to our office will be answered by a friendly and helpful staff member. If you take the time to speak with our office, we are sure you’ll be glad you did.

Bankruptcy News & Resources - Learn about updates and resources from Macomb County Bankruptcy Law Firm

The Difference Between a Chapter 13 and a Chapter 7

The two most common types of bankruptcies are a Chapter 13 bankruptcy and a Chapter 7 bankruptcy. Although we do not practice Chapter 13 bankruptcies in our office, they still need to be mentioned because if you are not eligible for a chapter 7, you most likely will file a chapter 13. Chapter 7 Bankruptcy… View Article

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What You Should Know About Payday Loans

The payday loan industry is a controversial one, with regular disagreements over what regulations should be placed on payday lenders. As lawmakers explore regulating the payday loan industry, one man who played a major role in bringing payday loans to Michigan speaks out about his experience with the payday loan empire that he operated. As… View Article

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Men and Women Have Different Reasons for Seeking Bankruptcy Protection

Bankruptcies occur among people of both genders. However, men are more likely than women to go bankrupt. One study of bankruptcies over the course of 2014 found that 60 percent of the debtors who went bankrupt were male compared with 40 percent of the debtors who were female.  However, the number of bankruptcies among women… View Article

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