by Walter Metzen | Mar 2, 2022 | Bankruptcy
When finances are tight, you may find yourself in the unfortunate position of needing to decide which bill to pay first in a given month. Car payment or credit card? Mortgage or doctor’s bill? Rent or utility bill? Should you account for a regular monthly...
by Walter Metzen | Feb 17, 2022 | Bankruptcy
Bankruptcy is one of the most misunderstood areas of law. Because it is a consumer protection mechanism, it is the sort of legal process that tends to be discussed among non-lawyers. It is, therefore, the sort of thing that tends to be discussed incorrectly. A...
by Walter Metzen | Dec 21, 2020 | Bankruptcy, cosigners and bankruptcy
CO-SIGNERS AND CO-BORROWERS: AN INITIAL DISTINCTION An individual Chapter 7 or Chapter 13 bankruptcy can be filed by either you alone or jointly with your spouse. In either case, you may have loans that were co-signed for you by your spouse or others, or you...
by Walter Metzen | Oct 20, 2020 | Bankruptcy, Documents needed to File a Bankruptcy in Michigan, filing bankruptcy in Michigan
BANKRUPTCY, DOCUMENTATION, AND THE DEBTOR’S DUTY TO COOPERATE “Why do I have to give you all of these documents?” is one of the most common questions that consumer bankruptcy attorneys hear from their clients. What documents? In a Chapter 7 or Chapter 13...
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 | Aug 12, 2020 | Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, filing bankruptcy in Michigan, restore Michigan driver's license with Bankruptcy filing
BANKRUPTCY AND MICHIGAN DRIVERS LICENSE RESTORATION One of the great advantages of filing a Chapter 7 or Chapter 13 bankruptcy in Michigan is that it will often allow you to restore your suspended driver’s license. It is important to remember, however, that a...
