(248) 560-7377

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code……And Assistance may include bankruptcy relief.

We can stop the harassing phone calls from Creditors.  Upon filing a bankruptcy petition there is an Automatic Stay, what that means is that creditors must stop their harassing behavior.  If they continue, they can be liable for their harassing phone calls.  Most people either need a Chapter 7 or Chapter 13, this is determined upon the outcome of the Means Test.  The “means test” is a required test to determine a finding of abuse if the debtor’s income is higher than a specified portion of their debts.  Debtors whose income is below the state’s median income are not subject to the means test.

The “means test” doesn’t stop a person from filing a Bankruptcy petition; it just filters who can file a Chapter 7.  They are still able to file a Chapter 13.  A Chapter 7 is a liquidation of assets.  In most cases the person filing for a Chapter 7 can keep all of the items they own.  A Chapter 13 is a restructuring of the persons debit to allow for a payment plan.