by Walter Metzen | Oct 18, 2021 | Automatic Stay
It is common for those filing for Chapter 7 or Chapter 13 bankruptcy to have already been sued for collections in Michigan state court. Depending upon the specific debt and creditor involved, a collections lawsuit is typically filed 30-90 days after the debt...
by Walter Metzen | Mar 5, 2021 | Automatic Stay, Liens in bankruptcy
A Garage Keeper Lien, or GKL, is a statutory lien which can be perfected by a vehicle repair facility in Michigan so long as the proper steps are followed. A lien is, of course, an encumbrance that clouds a deed or title, preventing it from being sold and allowing the...
by Walter Metzen | Oct 3, 2020 | Automatic Stay, creditors calling after filing bankruptcy, Filing Bankruptcy in Michigan, Michigan bankruptcy
MICHIGAN CHAPTER 7 & CHAPTER 13 BANKRUPTCY: THE DISCHARGE INJUNCTION The discharge of debt received at the end of a successful Chapter 7 or Chapter 13 bankruptcy proceeding is one of the most powerful civil remedies available under US law. The “bankruptcy...
by Walter Metzen | Aug 24, 2020 | Automatic Stay, Bankruptcy, DTE Energy and bankruptcy, Life After Bankruptcy
DTE ENERGY UTILITY BALANCES IN MICHIGAN BANKRUPTCY DTE Energy and other utility balances are low priority, unsecured debts in a Chapter 7 or Chapter 13 bankruptcy proceeding, unless you have paid a security deposit to open the service account. That means that...
by Walter Metzen | Jul 9, 2020 | Automatic Stay, Bankruptcy, bankruptcy and eviction, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, filing bankruptcy in Michigan
The filing of a Chapter 7 or Chapter 13 bankruptcy brings with it many benefits. The most immediate of these is the activation of a Federal injunction called the “automatic stay against collections.” The automatic stay requires that all creditors cease and desist any...
by Walter Metzen | Jul 7, 2020 | Automatic Stay, Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Michigan Bankruptcy Attorney, Wage Garnishments
Nothing inspires people to consider filing for bankruptcy than the threat of a garnishment. The possibility of losing 25% of your paycheck to a judgment creditor is more than any average household budget can bear. What if the garnishment has already begun? The filing...
