Novi Chapter 7 Bankruptcy Attorney

Preparing for Chapter 7 in Novi

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

A cross-county move can matter more than a postal label

If you recently moved, gather addresses, dates and the location of property and business interests. Novi is in Oakland County, while nearby place names and postal areas can extend across different jurisdictions. Venue and applicable exemption rules are not resolved solely by the city printed on a bill. Explain prior residences before assuming a Michigan or local rule applies exactly as it did in another case.

Separate ongoing bills from collection emergencies

For wage garnishment, keep the writ, judgment and payroll information. For a mortgage problem, preserve notices, sale information and the amount needed to address arrears; a Chapter 7 discharge does not remove a valid mortgage lien. Continue to evaluate essential housing, insurance and utility obligations with counsel rather than following a generic stop-paying list. Collection relief and long-term affordability are different goals.

What to gather if household costs are shared

Identify who signed each loan or lease, who owns assets and how household contributions are made. Gather records for a non-filing spouse where requested and note support obligations. A co-signer does not receive your discharge merely because the debt was listed in your case. Use current contracts and balances rather than relying on a credit report alone, especially for vehicles and jointly held obligations.

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.