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bankruptcy law Archives

How can bankruptcy law help one break free of a second mortgage?

Some Michigan residents take out second mortgages on their homes in order to get cash for other things. Seems like a good idea until one is no longer able to keep up with the new loan payment. Second mortgage lien holders do have the ability to foreclose on the property if one does not keep payments current. However, protections offered through bankruptcy law may help one break free of a second mortgage.

Michigan bankruptcy law: The problem with payday loans

For numerous Michigan residents, living pay check to pay check is very much a reality. Where can they turn when their financial obligations are just too great and there is not enough to make until the next payday? Rather than turning to a bankruptcy law attorney for guidance, some look to payday loans to help get them through it. Unfortunately, doing so often does more harm than good.

Michigan bankruptcy law: Dealing with creditor harassment

Economic struggles strike most people at some point in their lives. When this happens, debts can accrue, and paying them off may seem an impossible task. When things can't seem to get any worse, creditor harassment begins. Between federal regulations and the assistance of an experienced bankruptcy law attorney, it is possible for Michigan residents to stop creditor harassment.

Michigan bankruptcy law: The benefits of a Chapter 13 filing

Deciding to take the leap and file for a Chapter 13 bankruptcy is a choice that most people, whether they reside in Michigan or elsewhere, do not make without some serious thought and consideration. It can be difficult to know if it really is the best thing to do for one's situation. While, with bankruptcy law as it is, there can be some negatives to going this route, there are also a lot of positives that can, if one's financial situation is severe enough, outweigh any bad points.

How can a bankruptcy law attorney help with foreclosure?

Are you one of the many Michigan residents who is at risk of losing your home to foreclosure? Do you feel like there is nothing you can do about it? The truth is you may have options. A bankruptcy law attorney can review your case and help you pursue the foreclosure defense strategy that best fits your situation.

Michigan bankruptcy law: How does debt discharge work?

Before signing on to just any debt relief option, it is wise to gain an understanding of how it really works and how it will benefit one's situation. For example, if one files for a Chapter 7 bankruptcy and it is approved in court, his or her debts may be discharged. Michigan residents who are not familiar with bankruptcy law will likely want to know what that means exactly.

Protections provided by the CARD Act, Part 1

Congress, in response to a rash of complaints against credit card companies, passed the 2009 Credit Card Accountability Responsibility and Disclosure Act (CARD Act). The purpose of the CARD Act was to enact several new rules to protect consumers from predatory credit practices. The CARD Act offers several protections to consumers, primarily in interest charges and credit card fees. This post will go over some of the protections.

Should you file for bankruptcy before or after your divorce?

Divorce is stressful. Filing for bankruptcy is stressful. Unfortunately, divorce and bankruptcy often go hand-in-hand, one almost inevitably leads to the other. That leaves many people with the stark decision, should they file for bankruptcy before or after their divorce? The answer depends on your situation and this post will discuss the factors you may want to consider.

Get answers to your bankruptcy law questions

Michigan residents who are seeking debt relief options have likely looked into how bankruptcy may be able to help their situations. Filing for bankruptcy is a big step as there is a lot involved. Before taking the leap, it is wise to get any questions you may have answered by a bankruptcy law attorney.

Protections provided by the CARD Act, Part 1

Congress, in response to a rash of complaints against credit card companies, passed the 2009 Credit Card Accountability Responsibility and Disclosure Act (CARD Act). The purpose of the CARD Act was to enact several new rules to protect consumers from predatory credit practices. The CARD Act offers several protections to consumers, primarily in interest charges and credit card fees. This post will go over some of the protections.

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5885 N. Wayne RD | The | Smith | Law Offices, P.C. | 734.729.4465

The Smith Law Offices, P.C.
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Westland, MI 48185

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