Chapter 13 Bankruptcy Lawyers in Ferndale, Michigan
Top-Rated Ferndale Chapter 13 Bankruptcy Lawyers Available Statewide in Michigan from Kostopoulos Bankruptcy Law. Regain Control, Stop Collections, and Eliminate Debt Legally.
Top-Rated Ferndale Chapter 13 Bankruptcy Lawyers Available Statewide in Michigan from Kostopoulos Bankruptcy Law. Regain Control, Stop Collections, and Eliminate Debt Legally.
Many individuals and families in Ferndale are burdened by credit card bills, medical debts, and constant creditor calls.
If you are unable to keep up with payments and need a fresh start, you may qualify for Michigan bankruptcy under federal bankruptcy protections.
Your first step is a no-pressure consultation in Ferndale where we map debts, income, and priorities.
Next, we design a realistic repayment plan and prepare filings that align with your income in Ferndale.
With the stay in place, we manage trustee communications, objections, and plan adjustments as needed.
Questions later? Our team remains available for updates, modifications, and guidance.
Clear, upfront pricing with flexible payment options.
Serving clients across Michigan with decades of bankruptcy experience.
The automatic stay stops creditor calls, lawsuits, and garnishments.
Most clients protect their essential assets under bankruptcy exemptions.
Work directly with an experienced bankruptcy attorney throughout your case.
You may qualify for Chapter 13 bankruptcy in Ferndale if:
You are unable to pay debts as they come due.
You have unsecured debts like credit cards or medical bills, or are behind on secured debts.
You pass the Means Test for Chapter 7 or have income to fund a Chapter 13 plan.
You complete a court-approved credit counseling course before filing.
You have not recently filed bankruptcy within restricted timeframes.
You reside in Michigan and are over 18 years old.
Trustee-supervised payments can resolve arrears while you maintain ongoing mortgage payments.
Most creditor garnishments pause, letting you prioritize necessities again.
Chapter 13 often gives time to cure defaults and maintain transportation.
A confirmed plan can prevent liens and new penalties while you repay.
Interest and penalties on unsecured debts often stop accruing post-filing.
Court protection can stop new judgments while debts are reorganized.
” Great communication and fast filing. The automatic stay kicked in right away and the calls stopped. “
Rachel D.
” Great communication and fast filing. The automatic stay kicked in right away and the calls stopped. “
Marcus W.
” Knowledgeable attorneys who genuinely cared about my outcome. I’m so grateful for the fresh start. “
Jason P.
Typical plans last between 36 and 60 months under court supervision.
Creditor contact should stop after filing while your case moves forward.
Eligible arrears can be spread out so you keep making ongoing payments.
Payments reflect your budget and required debt treatment—no guesswork.
Debts like credit cards, medical bills, and some older tax obligations may be wiped out through bankruptcy while keeping protected assets safe.
Bankruptcy triggers an automatic stay, which halts wage garnishments and creditor actions right away.