Farmington Hills Chapter 7 Bankruptcy Attorney

Preparing for Chapter 7 in Farmington Hills

Farmington Hills is in Oakland County, within the Eastern District of Michigan’s Southern Division. Nearby communities include Farmington and Novi. 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.

Separate a business balance sheet from personal guarantees

If self-employment or a former business contributes to the debt, identify the entity and each personal guarantee. Gather business bank records, taxes, financial statements and lease obligations in addition to personal records. A company’s debt is not automatically your personal obligation, and an individual discharge does not give a corporation a discharge. Explain whether a collection suit names you, the entity or both.

Address collection without hiding transactions

If a garnishment, levy or foreclosure notice is pending, preserve the complete notice and dates. Do not move money to relatives, retitle property or pay selected insiders on a blanket assumption that doing so protects it. Prior transfers and payments can require investigation even if the business has closed. Accurate records allow counsel to discuss the real options before another transaction adds complexity.

What to gather when assets have mixed uses

Identify vehicles, tools, accounts or real estate used both personally and for business. Record who owns each item, who borrowed against it and whether a lease or security agreement exists. Exemption and lender-rights questions are distinct. Farmington and Farmington Hills are separate municipalities; give your actual residence and property addresses so preparation is based on the correct facts, not a shared postal name.

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.