Can bankruptcy solve financial problems?

YES! Gudeman & Associates can help you, TODAY! We’ve been fighting for you and working families in the Metro Detroit area for over 12 years. We know the level of pain that so many of our clients experienced before seeking our help. Almost 10,000 clients have found a way to get over their fears about bankruptcy and a way to a new beginning with us. We want to help you get that new beginning, starting today.

Can bankruptcy stop creditor harassment?

YES! Many creditors and their collection agencies use scare tactics and harassment. Some are downright abusive. Creditors don’t have your best interests at heart. They do not care about you, whatsoever. Their job is just to get the money that you owe. They have no interest in getting you through the tough times that you may be experiencing. They only want money! Giving them money is the only thing that will stop them from calling you every day and perhaps sending you dunning collection letters.

Can filing bankruptcy help with past due taxes?

YES! The answer is that if you owe Federal, state, or local taxes and you are also behind in other payments to creditors, Federal Laws can provide assistance. The U.S. Bankruptcy Code allows you to stop the collection efforts of the federal government, State of Michigan, and local governments in their tracks! Many times, the biggest pressure on you is a garnishment by the IRS or State of Michigan Department of Treasury. That garnishment may be taking out of your wages and away from your family money that you currently need to take care of you and your family. Filing bankruptcy stops tax garnishments!

Can I get my credit back after filing bankruptcy?

At Gudeman & Associates, we know that your bankruptcy is only part of your concern: you also want to get back to a normal life. This includes rebuilding your credit score as fast as possible. For years, we have been meeting with clients who are terrified about the future. How will you survive in a world that will judge you based on your credit score? You need credit to rent an apartment, buy a car. In fact, more and more, employers are running credit checks on potential employees. We listened to your concerns and then we found answers.

Can bankruptcy save my home from foreclosure?

If you have gotten behind on your mortgage payments, you may be facing foreclosure. Fortunately, when you file for bankruptcy, you are awarded foreclosure protection through the automatic stay. From there, you will either enter into a payment plan of Chapter 13 or discharge debt through Chapter 7. Please note that Chapter 7 only allows for a temporary foreclosure stay.

What types of debt are dischargeable?

In bankruptcy, certain types of debts are dischargeable while others are not. For example, unsecured debt like medical bills or credit card debt can typically be discharged entirely or partially. Secured debt or amounts owed to child support cannot be discharged and you will be expected to keep making payments.

What types of bankruptcy are available to me?

There are two main types of bankruptcy which are appropriate for individuals: Chapter 13 and Chapter 7. There is also the lesser known Chapter 11, which is primarily used for businesses, and Chapter 12, which is focused on farmers and fishermen. In Chapter 13, your debts are rearranged and often reduced so you can make feasible payments. Chapter 7 allows you to give up non-exempt property in exchange for discharging your debt.

Why hire a bankruptcy lawyer?

At Gudeman & Associates, P.C., we are committed to providing our clients with useful information and resources. Having a lawyer by your side to guide you through the bankruptcy process is invaluable and can lead to a positive outcome for your case.

Proven Partners For Financial Health

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Prevent Vehicle Repossession

Car Repossession Lawyer

If you are unable to keep up with your auto payments, your lender may attempt to repossess your vehicle. Even after your car, truck, or other vehicle has been repossessed, you may still be held responsible for the deficiency. However, if you have found yourself behind on payments and unable to catch up, you have options for preventing repossession in southeastern Michigan. At Gudeman & Associates, P.C., our experienced Royal Oak bankruptcy attorneys can help you weigh your options and create a plan for keeping your vehicle and finding debt relief.

How To Stop Vehicle Repossession

There are a number of options for individuals wishing to stop vehicle repossession in southeastern Michigan. First, it’s important that you know your rights in regard to vehicle repossession. The state of Michigan is known as a “self-help repossession” state. This means that a lender is legally allowed to repossess your vehicle without giving notice. However, there are certain things that the lender may not do in order to take your vehicle.

When attempting to repossess your vehicle, a lender may not:

Enter any structure including attached to your home
Misrepresent who they are or why they are seeking your vehicle
Deceive you into providing access to the vehicle
Threaten you, use physical force, or provoke you or your family

Additionally, the lender must remove the vehicle without making a disturbance. At Gudeman & Associates, P.C., our Royal Oak auto repossession attorneys are here to protect your rights and help you understand your options.

Helping You Retain Your Vehicle And Find Debt Relief

There are various ways to temporarily or permanently stop vehicle repossession, including:

Making up the late payments
Reinstating the loan
Refinancing the loan
Negotiation with the creditor
Redeeming the vehicle
Filing for bankruptcy

Of these options, bankruptcy is the most effective way to immediately stop auto repo. Our attorneys can help you determine if you should file for bankruptcy, and which type you should file for, Chapter 7, Chapter 13, Chapter 11, or Chapter 12.

Start Regaining Control of Your Finances

Are you about to lose your car? It’s vital to discuss your situation with our bankruptcy lawyers. As one of the top bankruptcy law firms in Michigan, we can help you through your tough financial matters, including helping you keep your vehicle. We’ll guide you in making the best possible decision for your financial situation. Call to schedule a free consultation with us at Gudeman & Associates, P.C.: 248-630-3671.

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

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

Car Repossession Lawyer

How To Stop Vehicle Repossession

Helping You Retain Your Vehicle And Find Debt Relief

Start Regaining Control of Your Finances

Bankruptcy

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