Call Our Low Cost Michigan Bankruptcy Lawyers & Affordable Bankruptcy Assistance For Convenient, Trusted Process!

Stopping Repossession Through Bankruptcy
The moment you file for bankruptcy, you will be temporarily protected from losing your car, boat and other property from repossession
If you do not have the cash to make timely payments on your debts, your creditors will start looking towards your assets. Normally, your creditor has legal authority to seize your vehicle as soon as you "default" on your loan . Once your car has been repossessed, your creditor may decide to keep the car as compensation for your debt or to resell it in either a public or private sale. In any case, generally your creditor must notify you about what will happen to the car. Taking the simple step of filing for bankruptcy could be the only way for you to stop repossession
An Experienced Advocate for People in Debt

Should I File Bankruptcy?

Deciding to file bankruptcy can be a tough decision. Bankruptcy is about starting over fresh. It is about getting back in control of your financial future. Do not feel any shame for considering bankruptcy. In today's economy, many people, from all walks of life, are in your situation. We have represented clients from literally all walks of life.  Many of our clients are referred to us by other lawyers and clients because they know that the people they send us will be treated with dignity, compassion and professionalism. 

The Credit Card/Debt Trap

Do you seem to find yourself with a credit card statement balance that appears to grow month after month, even right after you have paid your monthly bills to the debt?  Credit card companies have been begging you to charge up at 23% (some 24.99%) for years. How many "account balance" transfer offers have you received? How many new extensions of credit. Here's the trap, after you have established a decent payment history with a credit card company, they up the credit limit. "Congratulations," they say. Now that you have more credit, you spend it. They will keep upping that credit limit until you can barely make the minimum payment. Now they own you. Make the minimum payment on your Mastercard or Visa and you will be paying that debt for 35 years or more. Don't feel any shame about taking back control. The only thing the credit card companies have to fear is the United States Bankruptcy Code and a bankruptcy lawyer. 

We always provide free consultations. We will take the time to sit down with you, answer your questions, evaluate your situation and give you your options. Our attorney will discuss alternatives if bankruptcy is not right for you. Your bankruptcy will be personally handled by an attorney from start to finish, so you will receive the personal attention and respect that you deserve.


Our office prides itself on providing its clients with Low Fees and Flexible Payment plans. Once retained, our office will work to stop harassing creditor calls and will work to help you gain the financial freedom you desire.

There Is Life After Debt. Let Our 
Bankruptcy Lawyers 
Help You Get There....
Our Michigan Bankruptcy Lawyers represent individual and small business debtors in Chapter 7 and Chapter 13 bankruptcy cases, in all in all counties that are within the United States Bankruptcy Court for the Eastern District of Michigan including Detroit, Ann Arbor, Allen Park, Albion, Lincoln Park, Brighton, Howell, Saline, Monroe, Blissfield, Romulus, Southgate, Wyandotte, Livonia, Dearborn, Westland, Lansing, Hamtramck, Livonia, Canton, Redford, Lincoln Park, Taylor, East Lansing, Okemos, Warren, Sterling Heights, Roseville, Eastpointe, Battle Creek, Oak Park, Hillsdale, Inkster, Ferndale, Hazel Park, Whitmore Lake, Plymouth, Farmington, Trenton, Flat Rock, Tecumseh, Clinton, Chelsea, Novi, Garden City, Westland, Northville, South Lyon, Milan, Brooklyn, Melvyndale, Ecorse, Belleville, Canton, Wayne County, Ingham County, Washtenaw County, Monroe County, Macomb County, Livingston County, Shiawassee County, Clinton County, Eaton County, Calhoun County, Branch County, Hillsdale.  The information contained herein is not legal advice. Any information you submit to us may not be protected by attorney-client privilege. All or some photos are of models and do not depict clients.We are expressly disclaim all liability in respect to actions taken or not taken based on any or all the contents of this website. We reserve the right , at our sole discretion, to change, suspend, or discontinue all or any part of this website or the content at any time without prior notice or liability.  An attorney responsible for the content of this Site is M. Zaher, Esq., licensed in the State of Michigan with offices at 18551 W. Warren Ave., Detroit, MI. 48228

You Can Stop Getting Harassing Collection Calls, Can Stop Wage Or Bank Garnishment, Can Stop Foreclosure Actions, Can Stop Your Vehicle From Being Repossessed ... And Can Start The Process To Begin Your Life All Over Again

We do it all for you!
Stop the stress, anxiety and frustration.
One of the strongest benefits of a Chapter 7 bankruptcy is its ability to discharge all or most of your debt such as; 

•Credit card debt 
•Debt from unpaid medical bills 
•Defaulted rent payments (payments due prior to filing bankruptcy) 
•Defaulted homeowners association fees (fees due prior to filing; you may need to pay these if you plan to remain in the home) 
•Defaulted utility bills 
•Car accident liability judgments (unless the accident resulted from drunk driving) 

and more, more ..................

Chapter 7 Benefits 
Privacy Policy

Normal office hours are from 9:00 AM - 5:00 PM (M-F)
Office Location: 18551 W. Warren Ave., Detroit, MI. 48228

Are you in debt? Considering filing for bankruptcy? Worried about having your wages garnished? Every day millions of Americans face financial difficulties. We are Michigan Bankruptcy attorneys with over 14 years of experience. 
Why Choose Us? 

-Consultation is absolutely free
-We can make the bankruptcy process affordable
-We will get you through the process so that your          debts will be elimanated
-We offer payment plans
-We have flexible hours

What Do you Need to Start the Bankruptcy Process?

You will receive a free initial consultation with one of our experienced low cost bankruptcy attorneys. During your free initial consultation we will review your current assets, income, budget and your previous financial circumstances. Our bankruptcy lawyers will explain the bankruptcy process and answer any questions you may have about filing for bankruptcy.  If you decide to retain our law offices to file your bankruptcy case, then you will sign an agreement on attorneys fees. Once you have retained our law firm you will be able to refer your creditor calls to our law office. During your initial appointment we will also setup an affordable payment plan to pay your attorneys fees and costs. 

In order to file for bankruptcy, you will have to gather all of your financial information in one place. You should figure out exactly how much debt you have, what assets you have, and any liabilities that you may have. Having all of this information is vital to the process and it can help you make an informed decision about what you should do. Without all of your important financial information, you can not start the process of filing for bankruptcy.It is very important that you accurately and honestly report all of your debts and assets.

Credit Counseling:  In order to file bankruptcy, you will also have to undergo credit counseling from a certified credit counselor. 
What Is Bankruptcy?

Bankruptcy is your legal right.  If you are being harassed by creditors, sued for unpaid debts, your wages have been garnished, or if you are at risk of having your home foreclosed on or your car repossessed, it may be time for a fresh start.  In most cases people can obtain a “straight” discharge of their debts and retain all of their property (Chapter 7).  In other cases, a person may obtain relief by repaying only a small fraction of their debts over a five year period (Chapter 13).  
We are your affordable local attorney throughout the countryWe Make Chapter 7 Bankruptcy Easy For You
We serve Wayne County, Oakland County, Macomb County, and Washtenaw County, MI
For many people living in debt, the hassles and harassment can be overwhelming. Through chapter 7 bankruptcy we can help get the debt relief you need. Our law firm provides Chapter 7 Bankruptcy at a dramatically discounted fee. Discount Michigan lawyers are difficult to locate, and when you do find an inexpensive attorney, too often the services provided are cheap like the prices. Our services are always high quality, and we charge an affordable low cost bankruptcy fee. 

YES, YOU CAN BUT  there are some situations in which you may not be able to file for Chapter 7 Bankruptcy in Michigan if :

       1-  You can afford a Chapter 13 repayment plan;
       2-  Debtor previously received a bankruptcy discharge (8 years if a Chapter 7 Bankruptcy & 6 years if Chapter 13 Bankruptcy however there are exceptions to the Chapter 13 Bankruptcy requirement)
      3-  A previous Bankruptcy was dismissed within the Previous 180 days
      4-  Defrauding Creditors
      5-  Filing constitutes abuse
      6-  Attempt to defraud the Bankruptcy Court or Trustee

Debt Collectors Calls 
Hospital Judgment 
Collection Lawsuit
Threat Letters 
Over Limit Fee
Creditors Harassment
Credit Card Lawsuits 
IRS Levy and More 
 Do Not: Transfer assets (cash, personal or real property) into your family or friends names prior to a bankruptcy without first talking to your bankruptcy attorney.

Putting a car, house, or any other asset into someone else's name to try and keep it from your creditors could be considered a fraudulent transfer under the US Bankruptcy Code.  This is illegal and Do Not Do It. 
No More 
Protect Your Income Tax Refund In Bankruptcy, 
Protect Your Bank Account, IRA, Your Car, Your Home and Other Assets  
We are a debt relief agency. We help people file for bankruptcy relief under the bankruptcy code.
Proudly Serving Detroit and the Cities Surrounding Area Including Wayne County Macomb, Oakland and Washtenaw
**Services Guarantee : 

In spite of no one can predicate or guarantee the court ruling in any proceeding, and if the bankruptcy court declines your bankruptcy filing due to an error on our part, 100% of your legal fees paid to us will be returned to you.  No questions asked. No trick clauses. No hidden language. If for any reason there is a mistake in your bankruptcy petition due to an error on our part, we will amend your petition for a free.  We always take care of our clients.  From start to finish, we will strive to exceed your expectations in every aspect of your bankruptcy case representation. 
Detroit Location
18551 W. Warren Ave 
Detroit,  MI.. 48228
(313) 982-0010 
Southfield Location
24300 Southfield Road, Ste 210
Southfield,  MI.   48075
Associate Attorneys Of Michigan., PLC - Attorneys At Law 
​Your Car, House, Tax Refund, Pay Check, etc
Bankruptcy Can Stop 

With Bankruptcy You Can keep 
Debt And Bankruptcy
If you have serious debt problems, you might need to find out more about chapter 7 bankruptcy. We can advise you on whether going bankrupt is appropriate way for your circumstances, or if there is a better solution for your debt problem. Call us today 
Collectors Calls
Shut Off Utilities  
Lawsuits, IRS...
Bankruptcy Lawyers 
Michigan Chapter 7 Bankruptcy Law Firm -          TeL: 1-313-982-0010
Stop Debt Collectors - Stop Garnishment 
Contact Us - Get Debt Relief Now 
$599 For Chapter 7 Bankruptcy + 306 .00 Court Filing Fee = $908.00
Your Debt, Live Your Life - Get A Fresh Start 
Don't let your creditors control your life and invade your privacy
Ask Us!
How Bankruptcy Can Stop Wage Garnishments and GET BACK THE GARNISHMENT MONEY
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