About Us

Joseph L. Grima & Associates P.C. was founded as a law firm in 1991 focusing on consumer bankruptcy law through both Chapter 7 and Chapter 13 filings. Our firm is dedicated to providing excellent legal advice to you, honed by 30 years of experience in the bankruptcy field. That experience includes staying current with changing bankruptcy case law and studying every new bankruptcy decision both locally and nationally. Our job is to understand all bankruptcy law changes and the potential impact they can have on you, the client. In that way, we can continue to provide accurate, sound, and up-to-date counsel. 

Providing Debt Relief in Macomb, Wayne, St Clair & Sanilac Counties

We understand that when you call, your world may be falling apart due to the stress of being unable to pay your bills as well as constant credit harassment. Our job is to protect you, to ease the stress you are experiencing, and to assure you that everything will work out. When your bankruptcy case is over, you should be on a sound financial footing with your credit scores beginning to improve. 

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    Joseph Grima Founding Attorney
    • Chapter 13 Bankruptcy in Clinton Township, MI Debtors were facing foreclosure on their home and had tax liabilities of over $15,000. Debtors filed bankruptcy and stopped the foreclosure on their home and stopped the taxing authorities from levying their wages. Debtors cured the arrearages on their mortgage through the bankruptcy. Debtors were able to reduce the tax debt which had to be paid to less than $10,000. This tax liability was then paid off through their bankruptcy. Debtors' credit card and medical debts of over $49,000 were wiped out.
    • Chapter 13 Bankruptcy in Saint Clair Shores, MI Debtors had 2 mortgages on their home and were delinquent on both mortgages. Debtors filed for bankruptcy and stopped the foreclosure on their home. Debtors were able to cure the arrearages on the first mortgage through the bankruptcy. Debtors were able to “strip” the second mortgage which was then wiped out when Debtors received their discharge.
    • Chapter 13 Bankruptcy in Detroit, MI Our bankruptcy attorney filed a chapter 13 bankruptcy case where the debtors were delinquent on the mortgage on their personal residence. Our experienced bankruptcy attorney was able to help the client keep his home despite the bankruptcy filing.
    • Chapter 13 Bankruptcy in Detroit, MI Our Michigan chapter 13 bankruptcy attorney helped a client navigate a tricky chapter 13 bankruptcy case. In this particular case the client had over $23,000 in IRS debt and $3,600 in debt to the state of Michigan. Our chapter 13 bankruptcy attorney was able to get both reduced and wipe out the rest of the tax debt.
    • Chapter 13 Bankruptcy in Clinton Township, MI Debtors had accumulated numerous medical bills. Debtors fell behind on their payments on the vehicle due to the medical expenses and the vehicle that was repossessed. Debtors filed bankruptcy and were able to get the vehicle back. Debtors paid off the vehicle and the medical bills through their bankruptcy.

      Read What Our Clients Have to Say About Us 

      At Joseph L. Grima & Associates P.C., we take pride in the services we have provided to more than 10,000 clients over the past three decades. Every client we take on is important to us because we know that, through proper legal procedure and skills, we can bring relief, control, and a new financial future. The success of your case and your new start translates to our success as a bankruptcy law firm dedicated to client results and satisfaction. 

      • “Dear Joe, This is late in coming but no less heartfelt. Thank you for being such a support during my very long, dragged-out bankruptcy. I always knew you would patiently answer all my questions and keep me from panicking. It meant a great deal. Good luck.”

        - Judy
      • “Mr. Grima I just wanted to write a quick note to you to extend my thanks to you for handling my bankruptcy. Your professionalism and obvious knowledge of your job made the process a lot less scary for me and really helped put my mind at ease. I know that Jeff also wanted to say thank you as well. His situation being a bit more involved, I know he was concerned as well. Thank you from both of us – again – your help, attention, professionalism and kindness mean so much.”

        - Renee and Jeff M.
      • “Dear Mr. Grima What comfort it is to know people like you are there in time of need! You take the time to listen and advise. You must know how much I appreciate your help. Again, many, many thanks.”

        - Priscilla D.
      • “Mr. Grima – Shelby too! Your kindness, helpfulness and professionalism was/is very much appreciated. Thank you – thank you!!”

        - Lynda A.
      • “Mr. Grima and Staff Thank you for helping me get through this long hard road. I must say, “you are damn good at what you do.” Thank you.”

        - Eric L.

        We Strive To Bring Emotional and Financial Relief to the Individuals and Families We Serve 

        Millions of individuals and couples file for bankruptcy every day. While you may believe that this speaks poorly of them, at our firm, we do not support that idea. This is especially true in light of the tough economic times our country has suffered in the past decades. Economic crises such a pandemics and recessions can result in job losses and reduction in hours, business failures, expensive relocations, retirement savings losses, and more. Other debtors may have suffered unpredicted illnesses or injuries, putting them out of work while racking up medical bills and other out-of-pocket expenses. Divorce is another factor that can lead to financial duress when households split and lose their combined income. Many factors can contribute to debt overwhelm and the need for a legal solution established by the government, which is what bankruptcy provides. 

        Our firm is proud to have brought emotional and financial relief to the families we have served. In fact, our work has enabled us to keep families together where marriages were strained due to financial stress combined with credit harassment. In the majority of these cases, bankruptcy relieved them of such pressures and saved their marriage. 

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        Ready to Get Started? Call Today. 

        The goal of bankruptcy is to give the honest debtor a fresh start. If you are suffering from overwhelming debt, the sooner you decide to do something positive about it, the better off you will be. We strongly urge you to take advantage of our free consultation so that you can discuss your debt relief and/or bankruptcy options with a veteran bankruptcy attorney.  Don’t let another day go by without getting the professional advice you need. Learn more about debt relief through Chapter 7 and Chapter 13 bankruptcy, how to save your home through foreclosure defense, avoiding repossession and wage garnishment, and how to attack student debt. Let us put our exceptional experience and dedication to work for you.