October 13, 2026
Debt can put your paycheck, home, car, bank account, and peace of mind at risk.
Kostopoulos Bankruptcy Law helps Michigan clients understand whether Chapter 7 or Chapter 13 bankruptcy may offer stronger legal protection than trying to manage creditor pressure alone.
When your financial stability is on the line, experience and clear legal guidance matter. Our attorneys help clients in Michigan understand how bankruptcy may protect them from serious debt problems.
What sets our Michigan practice apart:
More than 20 years of bankruptcy experience
Thousands of bankruptcy cases filed
Clear guidance on Chapter 7 and Chapter 13 bankruptcy
Help with wage garnishment, foreclosure, repossession, creditor lawsuits, and collection calls
Direct attorney guidance throughout your case
Flexible payment options, including plans starting at $100 down for qualifying Chapter 7 cases
Judgment-free support focused on real legal options
You will receive clear answers, realistic expectations, and a legal strategy focused on protecting your income, property, and future.
You do not have to navigate creditor pressure alone. A Michigan bankruptcy attorney can help you understand your options and decide whether bankruptcy may provide the legal protection you need.
Call (877) 969-7482 now or request your free consultation online.
Yes. A Michigan bankruptcy lawyer can help you understand whether Chapter 7 or Chapter 13 may fit your situation.
Bankruptcy may help you:
Stop many wage garnishments
Stop many creditor calls and collection letters
Pause or stop certain foreclosure actions
Address creditor lawsuits
Protect certain property through exemptions
Erase many qualifying credit card, medical, and personal loan debts
Create a court payment plan to catch up on missed payments
Our attorneys review your income, debts, property, creditor pressure, and goals before explaining what options may make sense.
We help you compare both bankruptcy options so you can understand which path may offer stronger legal protection for your situation.
Chapter 7 bankruptcy may help eligible individuals erase many unsecured debts, including credit cards, medical bills, payday loans, personal loans, and collection accounts.
Chapter 7 may be a good fit if you qualify and need a fresh start without a long repayment plan.
Our Michigan Chapter 7 attorneys help by:
Chapter 13 bankruptcy helps people with regular income reorganize debt through a court payment plan that usually lasts three to five years.
Chapter 13 may help if you need time to catch up on missed payments while protecting important property.
Chapter 13 may allow you to:
Our Michigan bankruptcy attorneys help clients understand bankruptcy, creditor pressure, foreclosure concerns, wage garnishment, repossession, and serious debt problems.
Kostopoulos Bankruptcy Law assists individuals and families throughout Michigan with Chapter 7 bankruptcy, Chapter 13 bankruptcy, wage garnishment, foreclosure concerns, creditor lawsuits, and other serious debt problems.
With physical offices in Flint and Warren, along with virtual consultation options, our attorneys help Michigan residents understand their legal options and the steps that may help address their financial circumstances.
Contact our Flint or Warren office to discuss bankruptcy representation and available consultation options.
Serving Flint, Genesee County, and surrounding Michigan communities.
View Flint Bankruptcy Page →Serving Warren, Macomb County, Metro Detroit, and surrounding Michigan communities.
View Warren Bankruptcy Page →Our Michigan practice serves clients in Metro Detroit, Genesee County, and communities throughout the state. Explore the regions below or contact the firm to ask about bankruptcy representation in your area.
Bankruptcy help for individuals and families in western Wayne County and surrounding Detroit-area communities.
Bankruptcy and debt-relief guidance for residents of Oakland County and nearby communities.
Serving communities surrounding the firm's Warren office and throughout Macomb County.
Bankruptcy assistance for residents of Flint, Genesee County, and surrounding mid-Michigan communities.
Explore bankruptcy representation options for communities in western and southwestern Michigan.
Kostopoulos Bankruptcy Law also assists Michigan residents outside its immediate office communities, subject to available representation arrangements.
We also serve clients throughout California. Explore all our bankruptcy service areas →
Speak with a Michigan bankruptcy attorney about your income, debts, property, and creditor pressure.
Learn whether Chapter 7 or Chapter 13 may offer stronger legal protection for your situation.
We help prepare your paperwork, review your documents, and explain what to expect before your case is filed.
Work with your attorney and legal team throughout your case, with clear updates at each step.
Kostopoulos Bankruptcy Law helps Michigan clients understand Chapter 7, Chapter 13, wage garnishment, foreclosure, creditor lawsuits, exemptions, and legal protection from serious debt problems.
The cost depends on the type of bankruptcy, court fees, attorney fees, and the complexity of your case.
Kostopoulos Bankruptcy Law explains fees before you move forward, and flexible payment options may be available.
Not always. Many people are able to keep a home, car, and important personal property when exemptions apply.
The answer depends on your equity, loan status, payments, income, exemption options, and whether Chapter 7 or Chapter 13 is the better fit.
Many Chapter 7 cases are completed within a few months. Chapter 13 usually lasts three to five years because it uses a court payment plan.
Your timeline depends on the type of case, your documents, your property, and whether any issues come up.
Filing bankruptcy may trigger the automatic stay. This legal protection can stop many wage garnishments, collection calls, lawsuits, and other creditor actions after the case is filed.
Some debts are treated differently, so it is important to speak with a bankruptcy attorney about your situation.
Clear answers before you make financial decisions
