Financial insolvency as an individual or as a couple brings with it a host of troubles. These range from constant worry and stress to social humiliation, endless calls, letters, and emails from creditors, potential threats of lawsuits, and confusion as to possible solutions. Regardless of how you arrived in your financial crisis, doing nothing can only deepen the situation. Doing nothing is never a good idea. Finding help from a trusted source can give you the understanding, peace of mind, and confidence you need to move forward with the solution that is best for you, your family, and your financial situation.
At Joseph L. Grima & Associates P.C., we can be that trusted source. Attorney Joseph Grima has spent the last 30 years solely practicing bankruptcy. Our firm bring exceptional experience, knowledge, and resources to your bankruptcy case, whether through a straight Chapter 7 liquidation filing or a Chapter 13 repayment plan. We can provide you with debt relief options based on the unique facts and circumstances of your case. Every case is different and every client has different objectives, considerations, and needs. When you first consult with us, we will take the time to understand the particulars of your case so that we can provide solutions tailored to you.
Discuss your financial dilemma and needs with our consumer bankruptcy attorney at our St. Clair Shores office. Contact us online or call (313) 385-4076 to get started. Serving clients throughout Macomb, Wayne, St.Clair & Sanilac Counties.
Joseph L. Grima & Associates provides counsel about debt relief, bankruptcy, and other related issues. You may need a full assessment and understanding of how Chapter 7 and 13 filings work and how they may impact your financial scene. You may be facing a potential foreclosure of your home after missing mortgage payments, a repossession of your vehicle from delinquent auto loan payments, or forced wage garnishment to repay creditors.
You may have fallen behind in making student loan payments because of the inability to find or retain employment or due to other reasons, such as illness or injury. These are all problems that consumer debtors face when falling into insolvency. They are the types of financial problems that our highly-experienced attorney and team can help you resolve. With our guidance and support, you can get out from under crushing debt and move forward towards a better future.
Through the invaluable tool of bankruptcy, we can stop credit harassment, stop vehicle repossession, restore driver licenses, stop wage garnishments, stop foreclosures, allow you to catch up on mortgage arrearages over time, and force taxing authorities to accept payment plans that you can afford.
Over the years, we have been able to help multiple clients with tax issues involving taxing agencies such as the IRS, the State of Michigan, and the City of Detroit. Filing a Chapter 13 bankruptcy will freeze both interest and penalties from accruing and either reduce or completely eliminate the penalty amount to be paid back. If you make a payment plan with the tax agency, your interest and penalties will keep accruing whereas they will stop accruing when paying taxes back through your Chapter 13 repayment plan.
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 7 Bankruptcy in Clinton Township, MI
Debtor is a single mother who had over $45,000 worth of medical bills and credit card debt. When Debtor lost her employment, Debtor was unable to pay her debts. Numerous collection agencies began contacting her to collect on the debts. Debtor filed for bankruptcy which stopped the collection agencies from contacting her. Debtor was able to discharge all of the medical bills and credit card debt.
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 7 Bankruptcy Filed in Roseville, MI
Our Grosse Pointe Farms bankruptcy attorney represented an individual that was facing chapter 7 bankruptcy. In this particular chapter 7 bankruptcy case our bankruptcy attorney was able to stop judgement before the client could be garnished and discharged over $34,000 in debt.
Chapter 7 Bankruptcy in Saint Clair Shores, MI
Debtor filed bankruptcy and was able to wipe out $56,000 of utility and credit card debts. This prevented the utility companies from shutting off the Debtor's lights and gas utilities. Debtor was also able to protect her vehicle and other assets.
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.
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 Filed in Clarkston, MI
Our bankruptcy attorney filed a chapter 13 bankruptcy case for a client in Clarkston, MI. The client had over $45,000 in credit card and medical bill debt. Our bankruptcy attorney was able to help this client navigate the chapter 13 bankruptcy process. As a result, the client was allowed to keep both vehicles and their house even though they filed for bankruptcy.
Chapter 7 Bankruptcy in Harrison Township, MI
Our chapter 7 bankruptcy attorney handled a bankruptcy case for a client who was over $100,000 in debt. We were able to help our client keep his vehicle despite having to file for bankruptcy. In addition, we were able to help him discharge over $100,000 worth of debt.
Helping Our Clients To Make the Best Decision for Their Situation
Some people believe filing for bankruptcy is somehow “immoral.” We can assure you that you are not doing anything immoral in this regard. Our team emphasizes that the filing of a bankruptcy could be looked at as a business decision, not a moral decision. After all, creditors do not lend money because it is the moral thing to do. They lend money because it is good business to do so. When you can no longer afford to keep debt, when your emotional health and wellbeing are in jeopardy, when you have tried your best but can no longer sustain the condition you are in, you have the right to make a business decision. U.S. bankruptcy law gives your that right. You can rid yourself of the debt that is drowning you.
We strongly advise that you contact the team at Joseph L. Grima & Associates P.C. to get the help you need as soon as possible. Don’t wait another day without learning the debt relief options available to you, how we can help, and how you can get a clean slate and a brighter future. Use our convenient form to send us your contact details so that we can schedule your free consultation with our attorney.