Canton Chapter 7 Bankruptcy Attorney

Preparing for Chapter 7 in Canton

Canton is in Wayne County, within the Eastern District of Michigan’s Southern Division. Nearby communities include Plymouth and Romulus. Residence, property, income and debt facts—not a city label—determine the analysis. Use this local preparation guide alongside the Chapter 7 guide and categorized FAQ.

Treat the township name and property ownership separately

Canton is a charter township in Wayne County, not a separate bankruptcy court district. A home review should start with the deed, current mortgage balance, property-tax statement and a reasonable valuation, including any joint ownership. The person paying the mortgage is not necessarily the only owner. Exemptions, liens and the ability to keep making payments must be evaluated together. Do not transfer a home or add a relative to a deed before obtaining advice.

Plan around actual payroll and sale dates

If wages are being garnished, gather the writ and employer information, including when payroll is processed. If foreclosure is threatened, preserve the full notice and any sale or redemption-related documents rather than relying on a balance shown online. Chapter 7 may pause many collection actions while the stay applies, but it does not itself create an affordable mortgage catch-up plan. Compare available chapters and nonbankruptcy alternatives before treating filing as the only response.

A transportation budget belongs in the plan

For a household commuting from Canton, identify every financed or leased vehicle, insurance and expected repair costs. A car exemption does not settle lender rights. Reaffirming can preserve personal liability; redemption and surrender differ. Gather contracts and payoff figures, then use the car guide and reaffirmation FAQ before signing. The goal is a sustainable household picture, not simply retaining every payment obligation.

Your bankruptcy court and 341 meeting

A secure next step from your community

Much of the intake process can be handled by phone and the secure encrypted upload form. The firm’s only listed office is 444 W. Willis Street in Detroit; no additional office is implied. Never email SSNs or ID photos. Use the secure upload form for documents and completed PDF questionnaires. The encrypted Cognito upload form is active. Write only the last four SSN digits in the PDF questionnaire. Upload ID and SSN proof securely.

What to gather · Client questionnaires and secure upload · All 34 counties and court/meeting distinctions · Eligibility estimate and costs

Chapter 7 attorney fee: $1,300. Reaffirmation agreement hearings are included in the $1,300 attorney fee. Payment plans available on the attorney fee. In Chapter 7, the attorney fee is generally paid before the case is filed, so plans are arranged before filing. The $338 court filing fee is paid separately. The $1,300 does not include credit counseling or debtor-education course fees or services, or adversary proceedings. The attorney and court fees total $1,638 before excluded items. The written engagement agreement confirms scope and any additional charges.