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Detroit Bankruptcy Lawyer

Overwhelmed with Debt? Call for a FREE Consultation.

At the Cartwright Law Firm, we have more than a decade of experience helping debtors achieve freedom from their debts. Clients often come to us when they are facing foreclosure of their home, late night calls from creditors, or endless credit card debt. Bankruptcy is an honest solution - and it has worked for people just like you. Have our team guide you through each step.

Can Bankruptcy Help Me?

You may be wondering, "what will bankruptcy do for my financial situation?" The answer will vary substantially depending on a person's particular financial circumstances, such as the amount and type of debt they possess, their income, and the type of bankruptcy they are filing. For a majority of our clients, the bankruptcy process has allowed them to obtain a financial fresh start and gradually return to a healthy credit rating.

Are you facing any of the following situations? Bankruptcy can help protect you from:

  • Harassment from creditors
  • Repossession of property
  • Home foreclosure
  • Lawsuits
  • Wage garnishment

Whether you are interested in filing for Chapter 7 or Chapter 13, we can assess your unique situation and help you find the right debt relief solution.

Providing Fast & Effective Debt Relief Solutions

The bankruptcy attorneys at The Cartwright Law Firm work diligently to provide effective bankruptcy help to individuals in Detroit, Southfield, and Pontiac. We utilize a personalized approach to each client's case - when you contact our offices, you will not meet with a paralegal, but with an actual attorney who will help you devise a bankruptcy strategy that best serves your specific circumstances. We are here to answer all of your bankruptcy questions.

Pre-Bankruptcy - What Should I Know?

Not all debtors qualify for bankruptcy. If you would like to learn whether or not you are eligible to file for bankruptcy, an attorney from our firm will be more than happy to meet with you to discuss the specifics of your circumstance.

When you are deciding whether or not to file for bankruptcy, taking the means test could greatly help you make a final determination. An attorney from our firm will administer this test to you if you are interested in learning more about your eligibility for the process.

Under the theory of asset protection, debtors get to keep certain "exempt" property when they file for bankruptcy. The state of Michigan is one of the states that allows the debtor to choose between the state's bankruptcy exemptions or the federal bankruptcy exemptions.

The minute you find yourself in financial trouble it will behoove you to acquire the legal services of a Detroit bankruptcy attorney. With a professional by your side you will be better able to avoid potential mistakes that could affect your ability to file.

It is important to have a comprehensive understanding of bankruptcy because oftentimes some of the beliefs you hold about the process are no more than myths. With the help of an attorney from our firm we help you better understand the process of bankruptcy and demystify any myths that may be clouding your decision about filing.

The first benefit of bankruptcy is relief from the "automatic stay" that goes into effect once a debtor files their bankruptcy petition. Another such benefit is how debtors can actually begin rebuilding their credit right away, and this takes less time than one might have previously thought.

There are both pros and cons to filing for bankruptcy and when you are contemplating the process you should not do so without the legal guidance of a professional from our office. At Cartwright Law Firm we will assess your situation and guide you in your decision making process.

Ways to Get Out of Debt

As the most common form of bankruptcy, Chapter 7 is likely the one with which you are most familiar. Sometimes referred to as "straight bankruptcy," this process eliminates all of an individual's qualifying debts and provides individuals with a clean slate when it comes to their finances.

If you can afford to pay back all of your outstanding debts, or at least a majority of them, then Chapter 13 bankruptcy may be a good option for you. Under Chapter 13, you will work with the courts to establish a payback plan over a period of 3-5 years.

Bankruptcy can offer incredible debt relief for consumer debtors and debtors can start enjoying these numerous benefits from the moment they file their bankruptcy petition. Such benefits include the "automatic stay," which prohibits debt collectors from contacting the debtor and continuing any debt collection activities.

If you are at risk of losing your home to foreclosure then you cannot afford to go another minute without legal representation on your side. The Cartwright Law Firm can help you fight against the threat of losing your home.

You may be in debt, but that does not give creditors the right to mistreat you or incessantly call you at inappropriate places or times of the day. This type of treatment is referred to as creditor harassment and it can be addressed by a legal professional from our firm to put the abusive behaviors to an end.

The Fair Debt Collection Practices Act (FDCPA) is a piece of federal legislation that was created to combat the widespread abuse perpetrated by debt collectors against consumers. When debt collectors are found to be in violation of the FDCPA, they may be held legally and financially liable for any such violations.

If you are behind on your mortgage payments or facing the potential of foreclosure then a loan modification may be just what you need to put an end to your financial troubles. At the Cartwright Law Firm, we can help you modify a loan and begin easing the difficulty you are currently facing with your finances.

When Your Bankruptcy Is Complete

Believe it or not, there is life after bankruptcy. If you are questioning filing because you do not believe that you will have a life after the fact, we can help show you what may be in store for your future if you do choose to file.

If you have recently gone through bankruptcy, you must take the additional steps to repair and restore your credit. If you neglect this critical step, you may end up paying thousands more every year because of higher interest rates on your credit card, mortgage and other loans.

Bankruptcy
Chapter 7
Chapter 13
Bankruptcy Exemptions
Bankruptcy FAQ
Bankruptcy Myths
Benefits of Bankruptcy
Creditor Harassment
Credit Repair
Discharging Debt
Debt Relief
Do I Qualify for Bankruptcy?
The Bankruptcy Process
FDCPA
Foreclosure
Life After Bankruptcy
Loan Modification
Means Test
Mistakes To Avoid
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Free Consultation: 248-973-7834
Cartwright Law Firm, PLLC - Detroit Bankruptcy Lawyer
Located at 24750 Lahser Road Southfield, MI 48033. View Map
Phone: (248) 973-7834
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