Chapter 7 Chapter 13 Bankruptcy

If you are drowning in debt, it is time to get help. You may be tempted to file for bankruptcy to get the fresh start you deserve. Consumer bankruptcy carries less of a stigma that it did in the past, but you should consult an experienced debt relief lawyer before filing Chapter 7 or Chapter 13 bankruptcy. A bankruptcy filing could stay on your record up to 10 years. During this time you may not qualify for a home loan or any type of credit.

OFFERING DEBT RELIEF SOLUTIONS FOR MORE THAN A DECADE IN WEST BLOOMFIELD

At The Law Offices of Kassab Arabo, PLLC, we are committed to helping you eliminate any unmanageable credit card bills, medical expenses and other unmanageable debts. We want to help you gain a fresh start without putting you at risk. Attorney Alivia Kassab Arabo has more than a decade of experience offering debt relief services throughout Michigan. Contact her law firm to gain a fresh start financially and learn how to avoid bankruptcy in Michigan.

Interested in gaining a fresh start without filing for Chapter 7 or Chapter 13 bankruptcy? Let a knowledgeable lawyer at The Law Office of Kassab Arabo, PLLC, help you understand your best debt relief options. We offer free initial consultations at our law office in West Bloomfield, Michigan.

EXPERIENCED LAWYER FOCUSED ON HELPING YOU GAIN A FRESH START

If you are feeling trapped buried with unmanageable debts, we understand you need to regain control of your finances without putting yourself at jeopardy. Attorney Alivia Kassab Arabo has the skills and legal resources to help you gain the fresh start you deserve.

Ms. Kassab has a masters in law from Wayne State University Law School in Corporate and Finance. After providing in-house counsel for LaSalle Bank/Bank of America, she offered Chapter 7 and Chapter 13 bankruptcy services to clients throughout Southeast Michigan. She knows firsthand how consumer bankruptcy works. She can provide you with a realistic view of how you could be affected in a negative way from filing bankruptcy, such as:

  • Chapter 7 bankruptcy — Chapter 7 bankruptcy is often referred to liquidation bankruptcy, because it lets you eliminate most of your unsecured debts. However, filing for Chapter 7 bankruptcy can stay on your record for 10 years. Even though it’s illegal for landlords and employers to make decisions solely based off a bankruptcy filing, it is often treated as a red flag. Employers and landlords may be reluctant to work with you, while claiming another factor was the issue.
  • Chapter 13 bankruptcy — Instead of having your dischargeable debt eliminated in approximately four months like in a Chapter 7 bankruptcy, this type of bankruptcy includes a repayment plan stretched over three to five years. During this time, all of your extra cash will be tied up. Filing Chapter 13 bankruptcy can stay on your credit report up for seven years, making it nearly impossible to get a mortgage if you don’t already have one.

VALUE OF WORKING WITH A SKILLED DEBT RELIEF ATTORNEY

If you are under a pinch financially, we understand you are looking to get ahead without putting a further dent in your pocketbook. You may even be tempted to work with a debt consolidation company to avoid paying high legal fees. However, an attorney may not be involved and you wouldn’t get any money back if their work didn’t end up in your best interests.

Unfortunately, debt settlement companies generally throw people into a repayment plan without someone negotiating directly on the debtors’ behalf. At The Law Offices of Kassab Arabo, PLLC, we are committed to helping you get a fresh start the right way. Attorney Alivia Kassab Arabo has extensive experience negotiating with creditors. She is fully prepared to help you reach a solution to address your credit card debts, medical bills and any other debts so you can move forward with your life.

CONTACT US TO SETTLE DEBTS WITHOUT GOING THROUGH CHAPTER 7 OR 13 BANKRUPTCY

Do you have too many credit card bills, medical expenses and other unmanageable debts? Contact The Law Offices of Kassab Arabo, PLLC, online or call 248-702-5956. We offer free initial office consultations to help you understand your options to gain a fresh start and avoid Chapter 7 or Chapter 13 bankruptcy. Our office hours are 8 a.m. to 5 p.m. Monday through Friday. Evenings and weekend appointments are available.