Southeast Michigan’s Most Experienced Bankruptcy Attorneys
Providing Successful Bankruptcy Filing for Michigan Residents Since 1973
Years of Bankruptcy Experience at the Firm
Chapter 7 bankruptcy can provide a way to:
- Keep your house and car!
- Wipe out your debt quickly with no repayment!
- Credit cards, personal loans, pay day loans.
- Handle Medical bills, auto deficiencies, utilities.
- Resolve Old IRS debts, overpay of benefits.
Chapter 13 bankruptcy can provide a way to:
- Repay at a monthly amount you CAN AFFORD!
- Protect assets from creditors.
- STOP foreclosure & repossession!
- STOP credit card interest, late fees, and penalties!
- STOP garnishments & utility shut-offs!
Gudeman & Associates, P.C. Bankruptcy Attorneys
Michigan Bankruptcy Attorneys
Many Creditors and their collection agencies use scare tactics and harassment. Some are downright abusive. Creditors don’t have your best interests at heart. They do not care about you, whatsoever. Their job is just to get the money that you owe. They have no interest in getting you through the tough times that you may be experiencing. They only want money!
Bankruptcy has many benefits for those struggling financially. This even includes protecting your family home. Your mortgage company cannot take your house away just because you have filed for personal bankruptcy. The process of debt discharge or reorganization in bankruptcy is one of the most powerful rights you can exercise. You have the right to have peace of mind
There truly is nothing worse than opening up your paycheck, and finding that 25% or more of your take home money is missing. You look over the paystub, and all of the sudden you see this new category appear under “Other”, and then you see that horrible word. “GARNISHMENT”
You don’t have to put up with this.
Michigan Student Loan Relief
Now, it is true that student loans cannot be discharged by filing bankruptcy in Michigan. (or elsewhere, for that matter) But, we can still help. By filing bankruptcy, we can restructure your repayments to the lending institution. We’ll get half of your school loan on a 3-5 year payment plan, with zero interest.
The Myths About Bankruptcy
- Creditor Harassment
- Debt Collection
The Bankruptcy Blog Roll
Frequently Asked Questions regarding Bankruptcy
Can Bankruptcy Solve Financial Problems?
Yes. Bankruptcy Can Solve Financial Problems
Gudeman & Associates’ will help you, TODAY! We’ve been fighting for you and working families in the Metro Detroit area for over 12 years. We know the level of pain that so many of our clients experienced before seeking our help. Almost 10,000 clients have found a way to get over their fears about bankruptcy and a way to a new beginning with us. We want to help you get that new beginning, starting today. Learn more…
Can Bankruptcy Stop Creditor Harassment?
Yes! Bankruptcy Stop Creditor Harassment.
Many Creditors and their collection agencies use scare tactics and harassment. Some are downright abusive. Creditors don’t have your best interests at heart. They do not care about you, whatsoever. Their job is just to get the money that you owe. They have no interest in getting you through the tough times that you may be experiencing. They only want money! Giving them money is the only thing that will stop them from calling you every day and perhaps sending you dunning collection letters. Learn More…
Can I Use Personal Bankruptcy Laws to Avoid Foreclosure?
Yes! You Can Use Personal Bankruptcy Laws to Avoid Foreclosure.
At Gudeman & Associates we use our experience and knowledge of bankruptcy laws to ensure you are protected. That includes protecting your family home. Your mortgage company cannot take your house away just because you have filed for personal bankruptcy. The process of debt discharge or reorganization in bankruptcy is one of the most powerful rights you can exercise. You have the right to have peace of mind, the right not to be harassed by overly aggressive creditors seeking to collect debts, and most importantly, the right to keep your house. Learn More…
Can I use Bankruptcy To Help With Court Ordered Child Support?
Yes! Bankruptcy Can Help Modify Court Ordered Child Support.
Court ordered Child Support obligations are not dischargeable in bankruptcy, but through Chapter 13 Bankruptcy, in Michigan, we can help you reestablish a payment plan along with your other debts. A payment plan in Chapter 13 will allow you to catch up on your payments without the threat of additional court action on the arrearages, while you keep current with your future payments. Learn More…
Can Bankruptcy Help You Fight Lawsuits?
Yes! Bankruptcy Can Help You Fight Lawsuits.
If you’re getting sued, IE: have a lawsuit filed against you, don’t just sit there, but fight back. And the best way to fight back is to call us now. Call now at 1-248-546-2800.
Often, people become intimidated by a notice that they are being sued. It’s a frightening thing to deal with, especially when you owe people money. And much too frequently, people freeze and don’t do anything about it. That’s the absolute worst thing you can do. Learn More…
Can Bankruptcy Help with Medical Bills?
Absolutely! Bankruptcy Can Help with Medical Bills.
Of course, Bankruptcy can help with Medical bills. In fact, nearly 60% of bankruptcies filed in this country are related to medical bills and most of our clients have some medical bills listed on their petitions. Learn More…
Can Filing Bankruptcy Help With Past Due Taxes?
Yes! Bankruptcy Can Help You Past Due Taxes.
The answer is that if you owe Federal, state or local taxes and you are also behind in other payments to creditors, Federal Laws can give you assistance. The U.S. Bankruptcy Code allows you to stop the collection efforts of the federal government, State of Michigan and local governments in their tracks!
Many times, the biggest pressure on you is a garnishment by the IRS or State of Michigan Department of Treasury. That garnishment may be taking out of your wages and away from your family money that you currently need to take care of you and your family. Filing bankruptcy stops tax garnishments! Learn More…
Can Bankruptcy Help You With Owed Pay Day Loans?
Yes! Bankruptcy Can Help You With Owed Pay Day Loans.
This is what we call the bottomless black hole of debt. There is no getting out from under debt using pay day loans.
It always starts off with this one time. You need an advance of a few bucks to hold you over until Friday when you get paid. You spend that money before you have it. Then, pay day arrives, and they want their money, and then some. That “and then some” is called interest. We call it usury. Learn More…
Can Bankruptcy Help You With Repossession?
Yes! Bankruptcy Can Help You With Repossession.
Is the Repo Man on his way over to pick up your car?
Forget about trying to explain your circumstances to the loan company. All they want to hear is a check number and when they’ll be getting their money.
Thankfully, bankruptcy law is designed to protect you from repossession. It is not uncommon for lenders to use such scurrilous tactics to get their money. Learn More…
Can Filing Bankruptcy Stop Tax Liens?
Yes! Bankruptcy Can Help Stop Tax Liens.
So Uncle Sam or the State of Michigan says you owe them money? Stop the madness. They’re already dipping into your income, but they want more, at a time when you can least afford it.
Well, it doesn’t have to be you footing that bill for the government. Filing bankruptcy stops tax garnishments and may eliminate tax debt all together.
That’s right! The really good news; a lot of IRS income tax liabilities are dischargeable. Learn More…
Can Filing Bankruptcy Stop Garnishments?
Yes! Bankruptcy Can Help Stop Garnishments.
There truly is nothing worse than opening up your paycheck, and finding that 25% or more of your take home money is missing. You look over the paystub, and all of the sudden you see this new category appear under “Other”, and then you see that horrible word. “GARNISHMENT.”
You don’t have to put up with that. Not one more paycheck. If you call us now at Gudeman & Associates. We’ll not only stop that wage garnishment, but we’ll very likely be able to get you back any money garnished from you over the past 3 months. This is just one of the ways that we get your creditors to help pay your fees for filing bankruptcy. Learn More…
Can Get Relief From My Michigan Student Loan?
Yes! Bankruptcy Can Help Provide Relief from Michigan Student Loans.
Unfortunately, your student loan lender wants their money, based on the promissory note you agreed to, regardless of whether you are employed or not and regardless of how much you may or may not be earning.
Now, it is true that student loans cannot be discharged by filing bankruptcy in Michigan (or elsewhere, for that matter.) But, we can still help by restructuring your repayments to the lending institution. Learn More…
Can I Get My Credit Back After Filing Bankruptcy?
Yes! Rebuild Your Credit After Bankruptcy.
At Gudeman & Associates, we know that your bankruptcy is only part of your concern: You also want to get back to a normal life. This includes rebuilding your credit score as fast as possible.
For years, we have been meeting with clients who are terrified about the future: How will you survive in a world that will judge you based on your credit score?
You need credit to rent an apartment, buy a car. In fact, more and more, employers are running credit checks on potential employees.
We’ve listened to your concerns and then we found answers. Learn More…
If your debts are overwhelming, contact our Metro Detroit lawyers that exclusively handle bankruptcy filings. Clients throughout the Metro Detroit area and the state of Michigan have relied on Gudeman and Associates, P.C. to help them get through a difficult time.
1026 W. Eleven Mile Road, Royal Oak, MI 48067
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