Often, the only thing more overwhelming than considering bankruptcy is the thought of going yet another month without being able to pay your bills. You may have contemplated bankruptcy before, but were concerned that you would not qualify. And how do you know whether to declare Chapter 7 or Chapter 13? Do these statements sound similar to the thoughts swirling in your mind? When you find yourself in a position where you just cannot make ends meet, it is time to contact a qualified bankruptcy lawyer.
I am attorney David Brauer, and over the last 31 years I have helped countless individuals seek debt relief under bankruptcy. Most of my clients find that they do qualify for Chapter 7. In this chapter, you are able to discharge most of your debt and can start over with a clean slate. If your income is higher than the median income for your state, you might have to file for Chapter 13 debt consolidation bankruptcy instead. In Chapter 13, you create a three- to five-year repayment plan to reimburse your debtors. After this time period, any remaining debt is discharged. One of the benefits of a Chapter 13 is the ability to keep your home.
If you are at the end of your financial rope or are concerned about garnishments, repossessions or foreclosure, I can help you. Let me put the record straight about bankruptcy and how it can be the start of a new life for you and your family.
Located in Howell, Michigan, attorney David Brauer and the law office of David W. Brauer, PLLC provide comprehensive legal representation for clients in communities throughout Livingston County and eastern Michigan, including the cities of Fowlerville, Brighton, Lakeland, Hartland, Gregory, Whitmore Lake, Hamburg and Cohoctah. Contact David W. Brauer, PLLC at (517) 548-1998 to schedule a free initial consultation with an experienced Howell Chapter 7 and Chapter 13 bankruptcy attorney today.
We are conveniently located in downtown next to the Family Dollar, formerly Howell Village Market. For your convenience, our firm offers payment plans and accepts Visa, MasterCard and Discover.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.