At The Smith Law Offices, P.C., in Westland, Michigan, we are committed to our clients’ success, offering focused representation designed to cost-effectively meet your needs. We believe that effective lawyer-client relationships are built through face-to-face interaction, and we strive to be available and accessible when you need to talk with us. We take the time to listen carefully to your needs and concerns so that we can develop the most effective strategy to get the outcome you seek.
We keep our firm small so that we can dedicate a greater amount of our time and efforts to each of our clients. Because of our reputation for knowledgeable counsel, and our willingness to listen carefully, we get many of our new cases as referrals from former or current clients.
We can help you use a personal bankruptcy filing to suspend garnishment proceedings. When you file for protection under the federal bankruptcy laws, an automatic stay goes into effect, requiring all your creditors to stop sending letters, making phone calls or pursuing any legal action against you to collect the debt. We will determine whether you qualify to permanently discharge your debts under Chapter 7, or whether you must seek to reorganize your debts through a Chapter 13 petition. We will prepare and file all necessary documentation to initiate and finalize a bankruptcy, and we will be your voice with creditors, the bankruptcy trustee and the court.
If you don’t qualify for protection under Chapter 7, and you don’t have the income to make payments in a Chapter 13 reorganization, we will try to work directly with each of your creditors to work out arrangements that meet your needs and help you satisfy your debts. In our experience, most credit card companies, as well as the Internal Revenue Service, are more responsive while working with a lawyer than they are when working directly with you. We can help negotiate creditor payment plans and can often help you settle your debts for less than face value.