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Chapter 7 Bankruptcy

Chapter 7 Bankruptcy is what people usually think of when they think about bankruptcy.  Chapter 7 will discharge most (sometimes all) of your debts.  Chapter 7 also allows you to keep a certain amount of your possessions. 

In many instances, you'll be able to keep everything you own.  This helps you get the fresh start that bankruptcy law promises.   The process usually takes between

4 and 6 months.

Bankruptcy and Debt Relief

Bankruptcy (debt relief) is great way to get rid of many (and sometimes all) of your debts. Legally! If you're having trouble making ends meet every month it might be time to talk to a bankruptcy attorney.  Give me a call. Ask a few questions. Find our your options.

Chapter 13 Bankruptcy

Chapter 13 bankruptcy is a reorganization of your debts.

It involves paying back some (and even all) of your debts over a period of time.  

There are situations where chapter 13 is your only option.  There are also situations where chapter 13 makes more sense, such as when you need to pay mortgage arrears to keep a home. Once you've completed the payment plan, any remaining debts eligible for discharge will be discharged. 

John Ceci PLLC is a debt relief law firm.  I help people ​file for bankruptcy relief under the bankruptcy code.

Contact Me Today

John Ceci PLLC is committed to answering your questions about bankruptcy, family law, divorce, wills & trusts, probate court, appeals, and trust administration law issues in Michigan.

I offer a free consultation and I’ll gladly discuss your case with you at your convenience. Contact me today to schedule an appointment.

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