- Dedicated to helping people file bankruptcy for over 28 years

Filing a Bankruptcy Immediately will STOP


Bankruptcy stops these creditor actions.

The filing of a Chapter 7 or Chapter 13 Bankruptcy petition is a powerful tool that you have in your arsenal if creditors are taking action against your property.

The right to file a personal bankruptcy case is a powerful tool that is granted by the Federal government and can be used when faced by imminent action by your creditors.  Bankruptcy is United States law or Federal law and is more powerful than the State of Michigan court orders that your creditors might have obtained against you.  If a creditor of yours has obtained a state court judgment, writ of levy or garnishment or even an order to seize your property, a bankruptcy filing will immediately stop this creditor from going forward.  You see, as soon as the bankruptcy case is filed, which my office can do the same day you first see me, you are protected by the automatic stay, which is an immediate Federal Court Order that prevents creditors from taking certain actions against you.

Filing Bankruptcy prevents creditor action

Immediately upon the filing of a bankruptcy petition in the US Bankruptcy Court, the Automatic Stay is put into effect which prevents creditors from taking action against your property.




As a, Detroit Bankruptcy Lawyer with over 28 years of experience and having represented over 20,000 people in metro Detroit file bankruptcy cases facing financial problems, I understand the stress that comes with creditors unrelenting efforts to collect their debt and how things are made worse if you and your family just do not have the ability to pay them. If you are finding yourself drowning in debt and if creditors are calling you at work or multiple times a day, filing a bankruptcy may be the answer.  If your creditors are contacting your relatives and neighbors and informing them of your financial situation, if they are threatening you with lawsuits or garnishments or have obtained State of Michigan judgments against you, I can help you deal with them and ultimately get a Federal Court order wiping out or discharging the debt, because you are unable to pay them.  I am an expert at the bankruptcy process in Michigan and can guide you to financial freedom.

I enjoy helping people facing difficult financial times.  Bankruptcy is there to help.  I am a Board Certified Specialist in Consumer Bankruptcy in Michigan which includes both Chapter 7 Liquidation Bankruptcy, and Chapter 13 Wage Earner Bankruptcy.  Call me Attorney Walter Metzen for a free consultation to see if I can help you. My goal is to provide fast, personal, professional service at a very reasonable price.

Michigan Bankruptcy Attorney Walter Metzen

Michigan Bankruptcy Attorney Walter Metzen is a Board Certified Consumer Bankruptcy Specialist  practicing in the Detroit bankruptcy court.

If you simply do not know where to turn due to the incessant creditor harassment.  If you fee overwhelmed and simply need advice as to what your present options are.  If you cannot afford to pay your creditors due to job loss, medical issues, loss of a spouse, divorce or simply due to having too much debt, I should be able to help.  There are many misconceptions about filing bankruptcy out there, many of which have been perpetuated by the banking and credit industry.  My office is here to help you get out of debt and get on the road to financial freedom.

Please do not feel shame.  After doing this for 30+ years, I have seen that most of my clients feel guilty at the prospects of filing bankruptcy and wiping out the debts they feel they incurred and should pay back. This is natural.  At the same time, you should understand that the collection agents will do what they can, including wiping out your life savings,  garnishing your wages, seizing your income tax refunds year after year and having a court officer come to your house and take your car or household goods, if it means they get paid.  All the while continuing to charge you exorbitant interest rates and they do not feel guilty tacking on late charges and over-limit charges in addition to these 24.99% interest charges.

You may obtain my free Bankruptcy Start-up packet and more information by contacting my Detroit Bankruptcy law office by telephone at 313-962-4656 or toll free at:  1-888-4Walter or by e-mail to


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