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    • Edward J. Gudeman
    • Brian A. Rookard
    • Katherine Shinn
    • Jon M. Silver
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    • Bankruptcy
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    • – Durable Powers of Attorney
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Call us today : 248-927-2755

Filing for Chapter 7 Bankruptcy in Royal Oak and Southeastern Michigan

Chapter 7 – Eliminate Debt And Get The Fresh Start You Need

Feeling squeezed by credit card and other debts? With Chapter 7 bankruptcy, we can relieve you of that burden, getting you a discharge of your debts.

You needn’t feel stigmatized. You’re not a failure if you file for bankruptcy. Bankruptcy gives you a fresh start when circumstances bring you down. We can help. Our Chapter 7 attorneys in Royal Oak, Michigan, have the experience, knowledge and compassion to get you through it.

Chapter 7 – Introduction

Chapter 7, or a “straight bankruptcy,” is for those who truly cannot afford to pay back their unsecured creditors – such as credit card and medical debt.

The benefits of Chapter 7 include the following:

  • Temporarily stop home foreclosure and auto repossession
  • Stop garnishments
  • Stop harassing phone calls
  • No repayment
  • Eliminate credit card debt as well as personal and payday loans
  • Discharge medical bills
  • Discharge car repossession deficiencies
  • Resolve old tax debts or the overpayment of certain government benefits
  • For most cases, the process is over between 3-4 months.

If you’ve fallen behind on your home or car payments, Chapter 7 will temporarily prevent foreclosures and repossessions. However, there is no repayment plan in Chapter 7 so if you are trying to save your home or car by catching up on payments, then a reorganization under Chapter 13 (or even Chapter 11 in certain cases) is required.

At Gudeman & Associates, P.C., our experienced Chapter 7 bankruptcy attorneys in Royal Oak Michigan can help you assess your options and decide if filing for Chapter 7 can provide a solution to your debt problems. We will help you weigh all of your options and ensure that you are well informed before proceeding.

The Chapter 7 Means Test

For individuals with predominantly consumer debt, you must qualify for Chapter 7 through a “means test.” You will generally qualify for Chapter 7 if your annualized monthly income (based on the prior 6-month average) is less than the median household income for a household of your size. There is another test called the “totality of the circumstances” test that may cause you not to qualify, but most people who pass the means test will pass the second test as well. However, even if you are above the median income you can still beat the means test and qualify for Chapter 7 – it just takes more work to look at your income and expenses or see if there are special circumstances we can use to get you through a Chapter 7.

Free Consultation

We offer a free consultation for the first half-hour – which is usually more than enough time to promptly evaluate your case.
CLICK HERE TO SCHEDULE YOUR FREE CONSULTATION

Affordable Prices And Payment Options

Other attorneys promise you low unbelievably low prices in their advertising – until they get you in the door and the price goes up because your case suddenly became more “complex.” The truth is that most pricing between attorneys for typical cases is competitive. We’re no different and our prices are well within the range of what others charge. However, because each case has its own issues, and we handle the simple case to the complex, we have to know what your case involves. We will analyze your case and give you a fair, competitive price. We have payment options depending on your situation. Also, We can check to see if you’re eligible to have the Chapter 7 filing fee waived.

Convenience – In Person, Over The Phone, Zoom

We like meeting people certainly enjoy meeting our potential clients in person. However, sometimes taking time off from your busy schedule isn’t so easy. For those who live and work a little farther from our office, or have trouble getting out due to medical conditions, we can do the consultation over the phone or by way of Zoom. Nowadays, we can prepare your bankruptcy filing and send and receive required paperwork electronically.

Technology allows us to now meet virtually and we service the entire Eastern District of Michigan.

We are also admitted in the Western District of Michigan and have had clients from that side of the state as well.

CONTACT US NOW – WE CAN HELP

Trusted And Experienced

Our Chapter 7 attorneys near you in Royal Oak, Michigan, have over 100-plus years of experience just doing bankruptcy and have filed thousands of cases for individuals and business. We have handled the simple case – to the extremely complex. We’ve defended our clients in all situations, including denial of discharge cases, fraudulent transfer and preference claims, and even bankruptcy appeals. In short, we’ve seen it all, and done it all. We can advise you on all aspects of bankruptcy.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

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Can We Help?

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Bankruptcy

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Client Review

“Went to see Ed Gudeman for a Will and Testament. Mr. Gudeman explained about Wills versus Trusts and all the laws surrounding each and what would be best for our situation. We were amazed how much information needs to be collected to use in the trust. It took about 6 weeks to compile everything and then a draft copy was given to us to read and correct any mistakes,errors or changes. Working with the legal assistant Samantha was very easy and reassuring. I will recommend Gudeman and Associates to anyone that needs their Will or Trust set up.”
Lori M
Client Review

Gudeman & Associates, P.C.

401 N. Main Street
Royal Oak, MI 48067
(248)-927-2755

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FILL OUT OUR SIMPLE FREE CONSULTATION FORM TO GET STARTED

Let’s Talk AboutYour Financial Future. Call For A Consultation.

For trusted help in matters of bankruptcy, estates, business, taxation or real estate, we encourage you to contact us for a no-obligation consultation. During our first meeting at our Royal Oak office, over the phone or via videoconference, you will be introduced to your main point of contact who will work closely with you throughout your case. We will take the time to listen to your story, answer your questions and develop a plan for success. No judgment, just advice geared toward your financial goals backed by decades of experience.

Please call 248-927-2755 or send us an email to learn more or to schedule an appointment. We look forward to serving you.

Attorney Edward J. Gudeman

Edward J. Gudeman

Attorney Brian A. Rookard

Brian A. Rookard

Attorney Katherine Shinn

Katherine Shinn

Attorney Jon M. Silver

Jon M. Silver


HOW CAN WE HELP?

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Gudeman & Associates, P.C.

Contact The Office

Address

401 N. Main Street
Royal Oak, MI 48067

Phone

New Clients: 248-927-2755
Existing Clients: 248-546-2800
Royal Oak Office

New Clients: (248)-927-2755
Existing Clients: (248) 546-2800
ejgudeman@gudemanlaw.com 401 N. Main Street
Royal Oak, MI 48067

Also Serving: Southfield MI
Warren MI
Troy MI Fenton MI

Business Hours:
Monday-Thursday:
8:30am-5:00pm
Friday: 8:30am-1pm
Saturday-Sunday: CLOSED

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Hours

Sun: - CLOSED
Mon - Fri: 9:00 AM to 5:30 PM
Sat: - 9:00 AM to 1:00 PM

Address

401 N. Main Street
Royal Oak, MI 48067

(248)-546-2800
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