How Utilities and Bankruptcy Interact

">Under 11 USC section 366,

"...a utility may not alter, refuse, or discontinue service to, or discriminate against, the trustee or the debtor solely on the basis of the commencement of a case..."

As the weather changes and it often comes up in discussions, can a utility company discontinue service after a case has been filed. Generally no, unless certain points are met under Section 366. 

A typical method, is a security deposit, after the case is filed, which will provide adequate protection to the utility company. 

Don't be caught off guard this time of year, with the onset of freezing temperatures, you could easily be left in the cold. 

For a free comprehensive consultation, call today, 313-343-9930. 

7 Things Chapter 13 Can Do

Chapter 13 is a very powerful and useful chapter that can accomplish many things. Here are 7 things that you can get in a chapter 13 that you will not get anywhere else.

You can change or modify your automobile contract.You can strip or remove second and third mortgage from your homeYou can pay your tax debt interest and penalty free*You can pay pennies on the dollar to your unsecured debtYou can get caught up on your mortgage arrears and stop foreclosureYou can enter into a permanent loan modification with your mortgageYou may be able to eliminate certain student loan debt, or reduce it Unlike Chapter 7, which will not help you with any of the above mentioned things, a Chapter 13 will give you many more options to choose from. While Chapter 7 is quite powerful, it is limited in certain ways. 
These are a few of the many benefits of Chapter 13, for a free confidential consultation, call me today at 313-343-9930. 
*tax debt and bankruptcy are very complicated and have restrictions, not …

Low Low Ch 7 Attorney Fee's

Are you looking for an experienced attorney, who knows the law,  who is affordable? Look no further, with over 16 years of bankruptcy experience and over 5,000 cases handled you have come to the right place!

Chapter 7 "Liquidation" is the chapter you can file to get rid of all your debt, and pay no one back! Literally a fresh start. But, you may be able to keep certain things that you need as long as it is reasonable, such as your house or car.

The law is complex, but I can explain it to you in simple terms and understandable concepts. It is my job to know the law, and help you through the system.

Call today, I will meet or beat any other attorney's lowest price! 313-343-9930

Note: some debts are not subject to discharge, such as student loans, child support and certain taxes, but of course there are exceptions to all of these.

Free Power of Attorney Document

With every new will, obtain a free power of attorney document, that is right, free ($200) value!

A will is the corner stone of any estate, while a trust can do more, and is more complete. Most folks can get by with a basic will rather than an expensive trust. If you do not have a will the State will determine who gets what! The State!

If you have worked hard all your life to amass your fortune, or if you are just starting out with a family or career, there is always a good time to start, and it is never to late.

Call today for a free telephone consultation at 313-343-9930!

Estate Planning

The cornerstone of any good estate is planning is documents. You need a will or trust, it is imperative. Medical directives and powers of attorney are essential too, if you wait to long, they are difficult to get, and impossible to enforce. As state of mind issues arise, your loved ones will be at a deep disadvantage.

Think of the most simple thing, like cashing a check, or withdrawing money from your bank to pay bills. Without a power of attorney, your loved ones will not be able to do this, if you are unable to! You could fall behind on your house payments, or car payments, or have your utilities shut off.

So, do not wait, get that will, or power of attorney document in place today!

Call me at 313-343-9930 or email me at 

Thanksgiving Special on Fees

From now until Turkey Day you can get a basic chapter 7 for $700.00* this includes the filing fee, what do you have to lose, except all your debt!

*fees are subject to change if there are novel or complex issues that come up after consultation, but honestly, most case are fairly routine.

CONSULTATIONS ARE ALWAYS FREE!  Call or email to schedule an appointment today!

Late Summer Special

Special on no asset chapter 7 case is only $1,100.00 that includes the filing fee.
Time to get rid of all that heavy debt that is bringing you down, file now and you could be debt free by Christmas! What a present that would be, give yourself a needed boost and start the New Year off with a clean slate. 
Call 313-343-9930 or you can Text at 586-943-9211 and of course always reliable email at