Dearborn Heights Chapter 7 Bankruptcy Attorney

Preparing for Chapter 7 in Dearborn Heights

Dearborn Heights is in Wayne County, within the Eastern District of Michigan’s Southern Division. Nearby communities include Dearborn and Inkster. 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.

Use the correct municipality and the complete notices

Dearborn Heights is distinct from Dearborn, although both are in Wayne County. Provide the actual residence and property addresses and gather the entire collection or housing notice, including all pages. The creditor name, court case number and exact dates can matter more than a shorthand description of the problem. Keep mortgage foreclosure, eviction and property-tax paperwork separate so their different issues are not overlooked.

Household support should be documented without assumptions

If relatives contribute regularly, a spouse is not filing or expenses are shared across households, explain the amounts and timing. Gather the six-full-month income history and current records rather than guessing at a single monthly number. Support obligations and benefits require their own treatment. No assumption is made about family structure, immigration status or income based on the community where you live.

What to gather when a car is needed for work

Gather the title, contract, payoff, insurance and any default or repossession notice. Keeping a car involves both equity/exemptions and the lender’s rights. Reaffirmation can leave personal liability after discharge, while redemption and surrender have different consequences. A later deficiency is a real risk if an effective reaffirmation survives and the loan later defaults. Read the detailed car guide before signing lender documents.

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.