Stop Foreclosure. Stop a Sheriff Sale, NOW!
With foreclosures on the up rise in Eastern Michigan a Chapter 13 can offer reorganization options. Livingston County, Washtenaw County, Oakland County, Genesee County Michigan all have foreclosures on the up rise. There is a solution.

Call me today 810-632-9160 to discuss your options.

What is a Chapter 13?
A Chapter 13 in a nut shell is a reorganization of your debts. There are different classes of debt. Secured debt (house loans, car loans), priority debt (taxes, alimony) unsecured debt (credit cards, medical bills) are reorganized in a Chapter 13 plan.

Basically, you will make a monthly payment each month to the Bankruptcy Chapter 13 trustee (Chapter 13 Trustee @ Flint) that Trustee will disperse that payment according to the submitted plan. The amount of the unsecured debt that is paid back is based on disposable income. Each case is unique. Call me to discuss the ins and outs of how your plan may work. Call me 810-632-9160

Why would you file a Chapter 13 instead of a Chapter 7?
If you are behind on your house you can file a Chapter 13 and reorganize your mortgage. You can spread your arrears out. This is under Federal Law. The mortgage company has no choice in the matter. As long as your Chapter 13 plan is within the law.

If you have already received a Chapter 7 Discharge within 8 years you can file a Chapter 13 after 4 years.

Protecting non-exempt assets.

Protecting co-signers.

If you don't pass the means test because you make to much money then you can file a Chapter 13 and pay back a portion of your unsecured debt. Some people may also file a Chapter 13 because they want to pay back a portion of their unsecured debt for purely moral reasons.

It is important to remember that there are a broad range of options under Chapter 13. The best way to learn them would be to visit my office and discuss them. My office is conveniently located at U.S. 23 and M-59 in Hartland. I am just 20 minutes from Ann Arbor or Flint in the heart of Livingston County.

Why not call me right now at 810-632-9160 and let's discuss things. or shoot me an email at dddern@aol.com.

My goal is to take this complicated topic and make it as simple and easy as I can for you. I am user friendly. Call me 810-632-9160.

If you are facing a sheriffs sale a Chapter 13 will stop it instantly.
U.S. Trustee Program/Dept. of Justice
Chapter 13 is a great way to make bill collectors leave you alone. We are a debt relief agency we help people file bankruptcy under the bankruptcy code.

To understand more about Chapter 13 check here: Chapter 13 - Bankruptcy Basics