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Home About Challenges Credit Card Debt Foreclosure Medical Expenses Wage Garnishment Creditor Harassment Tax Forgiveness Facing Repossession Service Areas Alpena Ann Arbor Detroit Flint Grand Rapids Kalamazoo Lansing Macomb County Saginaw St. Clair Solutions Chapter 7 Bankruptcy Chapter 13 Bankruptcy Student Loans Resources Free Bankruptcy Evaluation Debt Relief Resources Bankruptcy Timeline Do's and Don'ts of Michigan Bankruptcy Famous Cases of Bankruptcy Help with Detroit Bankruptcy Michigan Bankruptcy Myths FAQs Blog Contact Us Moran Law Helps Good People Through Bad Times // CALL TODAY FOR A FREE CONSULTATION - 866-473-1996 Home About Challenges Credit Card Debt Foreclosure Medical Expenses Wage Garnishment Creditor Harassment Tax Forgiveness Facing Repossession Service Areas Alpena Ann Arbor Detroit Flint Grand Rapids Kalamazoo Lansing Macomb County Saginaw St. Clair Solutions Chapter 7 Bankruptcy Chapter 13 Bankruptcy Student Loans Resources Free Bankruptcy Evaluation Debt Relief Resources Bankruptcy Timeline Do's and Don'ts of Michigan Bankruptcy Famous Cases of Bankruptcy Help with Detroit Bankruptcy Michigan Bankruptcy Myths FAQs Blog Contact Us Home About Challenges Credit Card Debt Foreclosure Medical Expenses Wage Garnishment Creditor Harassment Tax Forgiveness Facing Repossession Service Areas Alpena Ann Arbor Detroit Flint Grand Rapids Kalamazoo Lansing Macomb County Saginaw St. Clair Solutions Chapter 7 Bankruptcy Chapter 13 Bankruptcy Student Loans Resources Free Bankruptcy Evaluation Debt Relief Resources Bankruptcy Timeline Do's and Don'ts of Michigan Bankruptcy Famous Cases of Bankruptcy Help with Detroit Bankruptcy Michigan Bankruptcy Myths FAQs Blog Contact Us TALK TO A LOCAL MICHIGAN BANKRUPTCY ATTORNEY. EXPERIENCED MICHIGAN BANKRUPTCY ATTORNEY NO OFFICE VISIT NEEDED. FILE BANKRUPTCY IN MICHIGAN FOR AS LITTLE AS $0 DOWN. GET STARTED OVER THE PHONE AND ONLINE. Get a Free Consultation Get a Free Consultation Name * First Name Last Name Email Address * Phone * (###) ### #### Subject * Message * Our Team Free E-Book Free Bankruptcy Evaluation BANKRUPTCY MAY Eliminate * Credit Cards * Medical Bills * Forecolsure * Wage Garnishment * Repossession BANKRUPTCY MAY Protect * Your Home * Your Car * Your Wages * Your Bank Account * Your Retirement MORAN LAW HOLDS THE HIGHEST RANKINGS FROM ORGANIZATIONS THAT MATTER MOST OUR PROCESS 1. CONSULTATIONS 2. PAYMENT 3. DOCUMENTS 4. COMMUNICATE PHONE CONSULTS ONLINE PAYMENT PORTAL SEND ONLINE DOCUMENTS VIA TEXT MESSAGE Get started Today! FREE Evaluation MOST BANKRUPTCY LAW FIRMS COME INTO OFFICE MAIL A CHECK FAX OR SNAIL MAIL TRY TO CALL AND GET AHOLD OF ATTORNEY MOST BANKRUPTCY LAW FIRMS 1. CONSULTATIONS PHONE CONSULTS COME INTO OFFICE 2. PAYMENT ONLINE PAYMENT PORTAL MAIL A CHECK 3. DOCUMENTS SEND ONLINE DOCUMENTS FAX OR SNAIL MAIL 4. COMMUNICATE VIA TEXT MESSAGE TRY TO CALL AND GET AHOLD OF ATTORNEY Get started Today! FREE Evaluation In the last 14 years, our bankruptcy attorneys have helped over 9,000 clients in Michigan get the fresh start they deserve. CREDIT CARD DEBT If you’re overwhelmed by credit card debt, you’re not alone. Learn how our attorneys can help you. Learn More » FORECLOSURE Have you have fallen behind on your mortgage payments and you are worried about foreclosure? Learn More » MEDICAL EXPENSES Many individuals and families are experiencing “medical bankruptcy.” Learn how Moran Law can help. Learn More » WAGE GARNISHMENT Wage garnishment can tip the scales, turning a tough financial situation into an impossible one. Learn More » CREDITOR HARRASSMENT We can stop harassing calls, threats of legal action and embarrassing calls to family and friends. Learn More » > “Bankruptcy is the start of your new financial future. We’re not in the > business of repeat customers.” — Ryan Moran, Founding Partner MORAN LAW'S 100% MONEY-BACK GUARANTEE 100% of your money will be returned to you if an error on our part causes the court to decline your Michigan bankruptcy filing. This includes your filing fee. Learn More -------------------------------------------------------------------------------- MORAN LAW “OVERCOMING ADVERSITY” SCHOLARSHIP If you are a high school senior or current college student currently enrolled in a community college, trade school, or university in Michigan apply for the $1,000 Moran Law “Overcoming Adversity” Scholarship. Learn More Read More Reviews * > “ Moran Law Office isn’t like any other lawyers I’ve ever met. They truly > care about their clients, and don’t charge you for every little phone call > or paperclip. They’re very friendly, helpful, and knowledgeable about the > whole bankruptcy process. Highly recommend! ” — K.T. * > “ Professionalism. Moran Law handled my bankrupcy case, and did an > excellant job! Everything ran smoothly. I was afraid of what would happen > in court, but Ryan/Moran team represented me and provided adequate guidence > and encouragement. I am now on more solid financial footing and able to > build a better financial base with confidence. ” — Dianne * > “ Great firm! Quick answers & true professionalism. We went to this firm > during one of the lowest times of our lives. We felt like losers and > idiots. The attorney was very professional, nonjudgmental, and reassuring. > He quickly evaluated our situation, and advised us of our legal rights. I > didn’t believe the outcome could be good for us. We went to court and > everything he advised us of was true. I would not hesitate to recommend > this law firm to anyone in need. ” — David * > “ Awesome Attorney! I was in a huge bind. I had one day and they were > coming to seize property. Ryan took my call and saw me in a matter of > hours. He filed an emergency bankruptcy and put an end to it. The process > was fast and simple. Could not have been more pleased. ” — Jerry * 1 * 2 * 3 * 4 MICHIGAN BANKRUPTCY ATTORNEYS WE’RE ON YOUR SIDE WHEN YOU NEED IT MOST. | SERVING ALL OF MICHIGAN | Are you overwhelmed with debt because of an illness, divorce, accident, loss of work or overtime, poor financial planning, or the state of the economy? Each year more than 1,000,000 people file with a bankruptcy lawyer. The majority are hardworking people who would pay all of their bills if they were able. The sudden loss of a job, unexpected medical bills, a divorce, or a natural disaster can quickly wipe out a life’s savings. Our Bankruptcy attorneys in Detroit and Flint are ready to help. For many, bankruptcy provides a financial second chance. Whether it’s a Chapter 7 or Chapter 13 Bankruptcy, debt consolidation, or fighting back against bill collector harassment, you’ll receive patient, positive, and comprehensive advice. The most important thing for you to know is that there are options and that no situation is hopeless. Our Michigan bankruptcy law firm is in the business of helping you get back on track. AREAS OF EXPERTISE CHAPTER 7 BANKRUPTCY Chapter 7 Bankruptcy is the most common type of bankruptcy; it is sometimes referred to as “fresh start bankruptcy,” or “straight bankruptcy.” The basic purpose of Chapter 7 bankruptcy in Michigan, is to provide you with a fresh start by wiping out all qualifying debts, including credit cards, medical bills, repossession deficiencies, lawsuits as well as a variety of other debts. In Chapter 7 bankruptcy, there is no repayment required for most unsecured debts, your debts are wiped out completely and permanently. The entire process usually takes less than 4 months to complete. After the bankruptcy is over, the consumer may choose to selectively pay back debts, such as debts to family members. However, repayment is not legally required. FORECLOSURE ASSISTANCE Facing foreclosure is one of the most gut-wrenching feelings in a person’s life. Burying your head in the sand will not stop foreclosure proceedings, and ignoring the notices may cause the bank to move more quickly. You don’t have to live in a state of worry and fear - our team has stopped foreclosure in Macomb, Wayne, St. Claire, Genesee, Lapeer, Oakland, and Kent counties, among others. You do have options! Let our Michigan foreclosure attorneys help you take control of your financial destiny. CHAPTER 13 BANKRUPTCY Filing Chapter 13 Bankruptcy is an option for debtors, provided they have income or wages sufficient to fund a repayment plan. Bankruptcy laws also set certain limitations on both secured and unsecured debt. If a debtor is over those limits, they are not eligible to file a Chapter 13 Bankruptcy. If you have a prior bankruptcy discharge under Chapter 7 or Chapter 13, you should consult with a qualified bankruptcy attorney to advise you of your eligibility. CAR REPOSSESSION Repossession laws differ across the country. State laws dictate how repossession is handled in Michigan. We have residents facing repossession in Detroit, Grand Rapids, Flint, Bay City, Saginaw, Ann Arbor, Lansing as well as northern Michigan understand what the law is and what protections may exist for them. Filing bankruptcy can stop repossession and help you pay off the debt owed on your car note. If you are under threat of vehicle repossession in Michigan, let the bankruptcy attorneys at Moran Law help. MEDICAL DEBT Bad things can happen to good people. An unexpected medical crisis can cost you thousands of dollars. Being out of work with not enough insurance to cover your expenses can cause your debts to spiral out of control quickly. Your recovery shouldn’t be hampered by debt collectors calling. Find out how bankruptcy can help you clear your medical debts. Let our Michigan bankruptcy attorneys at Moran Law help you through these hard times. GET A FREE CONSULTATION Our Michigan attorneys help residents state-wide file bankruptcy. Get a free consultation by completing the form below. Name(required) First Name Last Name Email Address(required) Phone(required) Message(required) Get Help TodayGet Help Today HELPING GOOD PEOPLE THROUGH BAD TIMES -------------------------------------------------------------------------------- ROYAL OAK LAW OFFICE 25600 Woodward Ave. Ste. 201 Woodward Building Royal Oak, MI 48067 248.246.6536 FLINT LAW OFFICE 2387 S. Linden Rd. Suite B-128 Flint, MI 48532 810.471.4113 800.473.1996 Back to Top MORAN LAW FIRM MICHIGAN BANKRUPTCY ATTORNEYS Whether it's a Chapter 7 Bankruptcy or Chapter 13 Bankruptcy, debt consolidation, or fighting back against bill collector harassment, you'll receive patient, positive and comprehensive advice. The most important thing for you to know is that there are options, and that no situation is hopeless. Our Michigan bankruptcy law firm is in the business of helping you get back on track. WE ARE A DEBT-RELIEF AGENCY. We serve the Detroit area and the entire state of Michigan. The information on this website is for general information purposes only. Nothing on this or associated pages, documents, comments, answers, emails, or other communications should be taken as legal advice for any individual case or situation. This information on this website is not intended to create, and receipt or viewing of this information does not constitute an attorney-client relationship. 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