Name: Bankruptcy Track
Address: 24300 Southfield Road, Suite 210, Southfield, MI, 48075, US
Telephone: (248) 281-6299
Price range: $$$

How Often Can I File Chapter 7 Bankruptcy?

The answer to this question is as often as you like. However, you cannot receive a Chapter 7 discharge if you have obtained a Chapter 7 discharge within the past eight (8) years. You calculate the time period from the date that you filed your last Chapter 7 petition. The date that you actually received your Chapter 7 discharge has no bearing on the calculation. To illustrate in more details read below. If you have any questions, call us and we will explain;

Multiple Chapter 7 Bankruptcies – Your second Chapter 7 bankruptcy case cannot be filed until at least eight years have passed since the date on which your original Chapter 7 bankruptcy was filed.
Multiple Chapter 13 Bankruptcies – Your second Chapter 13 bankruptcy case cannot be filed until at least two years have passed since the date on which your original Chapter 13 bankruptcy was filed.
Chapter 7 to Chapter 13 – If a prior Chapter 7 case was discharged, you cannot receive a discharge under a Chapter 13 case until at least four years have passed since the date on which you filed the Chapter 7 (original) case.
Chapter 13 to Chapter 7 – If a prior Chapter 13 case was discharged, you cannot receive a discharge under a Chapter 7 case until at least six years have passed since the date on which you filed the Chapter 13 (original) case. There are, however, several exceptions which may apply depending on your situation.

What is The First Step in Filing For Bankruptcy?

At BankruptcyTrack, the Chapter 7 process usually commences after a consultation (usually at no charge) with one of our Detroit bankruptcy attorneys in Southfield office or on the phone. The initial consultation allows our Detroit bankruptcy attorneys to discuss your situation so they can determine if you qualify for Chapter 7 or chapter 13, and if it is the best option for your situation.

Before we file your bankruptcy petition in Detroit, you must go through a mandatory credit counseling program within six months of trying to file. After this process has been completed, we will file your bankruptcy petition in court and once we file your petition, a debtor education course is required before a discharge will be granted to you. We will provide you with list of credit counseling services that approved by the court. Next, we draw upon all the information you supplied, to prepare the various forms, schedules and addendum required by the bankruptcy court. During this process, if we have any questions or need any additional information, we will call you. After all the forms, schedules and addendum are prepared, you will come into our office for a final signing appointment. At this appointment, we will go over all the final documents and have you sign them. After your signing, we will file the final signed documents with the Bankruptcy Court.

Can I Keep Some Credit Cards If I Declare Bankruptcy?

The bankruptcy code imposed upon you to list all your debts, your creditors including your mortgage company, your auto loan or lease company on your bankruptcy schedules. You can’t do a partial bankruptcy, listing most of your debts but hiding one or two that you don’t want to be affected. You must include every debt on which you are legally obligated.

If you do not include a debt in your formal bankruptcy documents when you file your case you risk not discharging that debt at the time all your other debts are discharged. You cannot pick and choose the creditors you list on your bankruptcy schedules and should include creditors who have either written off, charged off, or sold your debt to a collection agency or debt buyer. You should also provide the name and address of any creditor’s representative (attorney or debt collector). See Section 523(a)(3) of the Bankruptcy Code. If you list all of creditors and you wish to keep one of your credit cards open then it is up to your credit card company if they let you. It really comes down to the status of your credit card and which credit card company we’re talking about. For more information, call us at (248) 281-6299.

How Much Does It Cost to File Bankruptcy?

Most people who file for bankruptcy in Detroit and surrounding counties s don’t have a lot of money if they did, chances are that they wouldn’t be looking to file for bankruptcy in the first place. We know how difficult it is to make a decision to file for bankruptcy; worrying about bankruptcy legal fees shouldn’t make it harder. BankruptcyTrack charges an affordable bankruptcy low fee for it’s bankruptcy representations. Most of our bankruptcy cases are starting at $499.00 with $100.00 down. We always offer free consultations for our cases and will provide you with a free quote for our attorneys fees to file and manage your bankruptcy case. We offer competitive fees for our services.We offer extremely flexible, and customizable payment plans based on your situation. We will not turn you away because of your ability to pay.

We can keep our overhead costs reasonable because we do not have to pay for expensive TV and billboard advertising. We understand that money is tight specially during COVID-19, which is often why you are seeking bankruptcy in the first place. You can start you bankruptcy case with us for a small retainer fee. You can afford to file bankruptcy, we’ll work with you to get you out of debt.

Call today and schedule a free consultation with our experienced Detroit bankruptcy attorneys and staff. We will review all your options and provide guidance that only comes with helping tens of thousands of Detroit people get a fresh start on their financial futures.

Call Today (248) 281-6299.

How to File Bankruptcy Without an Attorney?

Choosing to file bankruptcy by yourself (pro se) can be a very expensive mistake

What happens if you file for bankruptcy without an attorney? Is it possible? Advisable? Below are several related questions that will hopefully address your queries and concerns.

Yes – the United States bankruptcy law allows you to file for bankruptcy without an attorney. This is called a Pro Se bankruptcy, and means that you represent yourself in court. If you file bankruptcy without an attorney you are still required to follow the many different sets of laws and procedural rules that apply to the federal bankruptcy courts. These include the United States Bankruptcy Code, the Federal Rules of Bankruptcy Procedure, the local rules of the court in which the case is filed, plus the applicable state and federal statutes, as well as the applicable state and federal court decisions interpreting all of these to the extent that they apply to your case.

Reasons to use our Detroit bankruptcy attorney for your case

If you’re considering bankruptcy and are wondering if you should file on your own without an attorney’s help, you should stop and think about it carefully. In addition to the high failure rates shown in research, there are other things to consider including:

Expert advice – Even if you do your homework and research bankruptcy laws, you will not be able to obtain the knowledge and expertise that a dedicated bankruptcy attorney possesses.
Representation – It can be intimidating to go into court without someone experience at your side. With an attorney representing you, you will be able to relax and let them run the case.
Advocacy – After you file bankruptcy, creditors should stop contacting you, but if they don’t, you’ll have to fight them. If you have an attorney, they will take care of all of this for you.
Error free – Expert bankruptcy attorneys know how to prepare all of the reams of paperwork required by the court and if there are any errors in the filing, will correct them and refile. If a debt is not listed accurately in the bankruptcy schedules, or is not done so on time, you may end up owing that debt after your case is completed. Although most debts are obvious and easy to list, who should be given notice to successfully discharge a debt is often not so obvious, for example when debts are sent to multiple collection agencies, and situations involving litigation and other kinds of disputes. It’s crucial to list all potential creditors and claimants appropriately.
Complete relief – An experienced bankruptcy attorney is your best shot to get the most complete debt relief and a fresh financial start. You may miss the mark and not prepare your case properly and miss out on significant opportunities if you exclude certain debts.

Call Today (248) 281-6299.

How Much Debt Do You Have to Have to File Chapter 7 ?

There is no threshold amount that you need to reach to file a bankruptcy. Some chapters of bankruptcy have debt limits such as chapter 13, but there is no such thing as a debt minimum. That being said, you certainly can and should evaluate if filing a bankruptcy makes sense in your current situation.

Multiple Chapter 13 Bankruptcies – Your second Chapter 13 bankruptcy case cannot be filed until at least two years have passed since the date on which your original Chapter 13 bankruptcy was filed.
Chapter 7 to Chapter 13 – If a prior Chapter 7 case was discharged, you cannot receive a discharge under a Chapter 13 case until at least four years have passed since the date on which you filed the Chapter 7 (original) case.
Chapter 13 to Chapter 7 – If a prior Chapter 13 case was discharged, you cannot receive a discharge under a Chapter 7 case until at least six years have passed since the date on which you filed the Chapter 13 (original) case. There are, however, several exceptions which may apply depending on your situation.

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