You may recover from debt with the help of a Detroit bankruptcy attorney
If you are in debt and tired of being hassled by creditors, a Detroit bankruptcy attorney may really help. So, the sooner you call a Detroit bankruptcy attorney of Total Bankruptcy, the better.
The Bankruptcy Abuse Prevention & Consumer Protection Act of 2005
The powerful credit card lobby has finally succeeded in pushing Congress to make it harder for debtors to file. Everyone agrees that this resulted in the most significant change to consumer bankruptcy law in decades.
This bankruptcy laws now impose a strict and complicated means test that may restrict your ability to qualify for debt protection. Before you may be able to hire a qualified Detroit bankruptcy attorney, you are required to first get a certification from a debt counselor to show that you made efforts to reduce your debt.
To find out more about bankruptcy laws, or to talk to a sponsoring Detroit bankruptcy attorney of Total Bankruptcy about your options, please don't hesitate to call us toll free at 1-877-349-1309 or use our free online case evaluation form to schedule a no obligation consultation with a sponsoring bankruptcy attorney of Total Bankruptcy.
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Will you be excluded from the protections of Chapter 7?
The centerpiece of the bankruptcy laws is the "Means Test." Essentially, the means test specifies that if your income is above a certain level, you may not be permitted to file your case under Chapter 7. Instead you may have to file under Chapter 13, requiring that you enter into a repayment plan rather than simply liquidating your debts. In addition, the court should have the ability to impose sanctions if your Chapter 7 filing is either rejected or changed to a Chapter 13.
For a free consultation
We are a cooperative effort sponsored by some of America's experienced consumer debt consolidation lawyers. When you feel that there may be no way you could possibly pay off your debts, you may achieve some comfort by consulting with an understanding and knowledgeable lawyer. Our association of lawyers has worked hard to provide you with all the resources you may need to become educated about your legal options and to take back control of your financial life.
Call 1-877-349-1309 today!
Click Here For a Free Bankruptcy Evaluation
The purpose of this web site is to help you learn everything you need to know about bankruptcy, the process, your bankruptcy attorney and your legal rights. The best place to start is with the U.S. Bankruptcy Code. It delivers protection to people in financial jeopardy who are suffering under mountains of debt. Bankruptcy is your legal right.