Shelby Township Bankruptcy Attorney

Professional Legal Representation from Our Shelby Township Bankruptcy Attorney

While none of us likes to admit we cannot pay our debts, these problems often arise due to situations beyond our control. At the office of Karen E. Evangelista, P.C., our Shelby Township bankruptcy attorney knows that it only takes a few setbacks to put most of us deep into a financial hole.

For over 30 years, we have been counseling residents throughout Michigan on how filing for bankruptcy could benefit them. It can help to prevent legal actions, such as foreclosure or repossession of property, while putting a stop to harassing collection calls.

How Bankruptcy Can Provide You with a Fresh Start

Falling behind in your debts tends to have a snowball effect. The more payments you miss, the more interest and penalty charges accrue, making it impossible to ever get caught up. If the debt is secured, either by your home, car, or furniture, you could face legal action that allows the bank or loan company to seize your property.

Through the United States Courts, bankruptcy offers a way to prevent these actions, while helping you rebuild your credit with a clean slate. Depending on your situation, we can advise you on filing for the following:

• Chapter 7 Bankruptcy: If you are on a limited or reduced income, this allows you to liquidate your assets, while discharging many of your debts.  
• Chapter 13 Bankruptcy: If you have some income but have fallen behind on items such as your mortgage or car loans, this can help eliminate some of your other debts while negotiating payments into one amount you can afford.  
• Chapter 11 Bankruptcy: If you own a business, this can help you keep the doors open while negotiating payments with creditors.

Reach out to Our Shelby Township Legal Team

Shelby Township bankruptcy attorney Karen E. Evangelista has over three decades of experience working with clients in our area. Bankruptcy often proves to be the best way to deal with the following situations:

• When facing creditor harassment over to past due payments;
• When facing legal actions, such as repossessions and foreclosures;
• When you are facing a lawsuit or court judgment;
• When IRS issues threaten you with liens or levies;
• When a lack of insurance leaves you with mountains of medical debt.  

In Shelby Township, your bankruptcy petition is processed through the Western District of Michigan branch of the U.S. Bankruptcy Court. Once filed, you are protected from creditors and further collection actions while we work on getting a final judgment in your case. Call or contact our office online today and request a free consultation to see how we can assist you.