Troy Chapter 7 Bankruptcy Attorney

Preparing for Chapter 7 in Troy

Troy is in Oakland County, within the Eastern District of Michigan’s Southern Division. Nearby communities include Clawson and Madison Heights. 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.

Variable compensation needs an organized explanation

If pay includes commissions, overtime or a bonus, gather the full six-calendar-month record rather than selecting only a typical pay stub. Explain whether a large payment is recurring and whether income has recently changed. The means-test income lookback and current household budget answer different questions. Stock awards, deferred compensation or ownership interests should be disclosed for review rather than assumed irrelevant because cash has not yet arrived.

Judgments, liens and a home are different layers

A creditor lawsuit or garnishment does not necessarily disappear merely because you intend to seek bankruptcy advice. Gather the judgment, any recorded lien and the payroll notices. For a Troy home, add ownership documents, balances, valuations and any foreclosure notices. A discharge may address personal liability without removing a valid lien. The timing and type of enforcement determine which questions must be answered first.

Avoid converting retirement protection into a new problem

If you are considering withdrawing from a 401(k) or pension to pay credit cards, pause and obtain individualized advice. Qualifying retirement interests may receive protection that a cash distribution does not share in the same way. Gather plan statements and loan/withdrawal records, along with the rest of the household finances. No assumption is made that everyone in Troy owns a home, receives a bonus or has a protected retirement plan.

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.