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Toll Free :(800) 353-8019
Firebaugh & Andrews Providing Bankruptcy Help
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STOP FORECLOSURES, GARNISHMENTS AND COLLECTIONS!
Attorrneys Samuel G. Firebaugh & Roberta W. Andrews specialize in bankruptcy: Chapter 7, Chapter 13, Business Bankruptcy, stopping foreclosures, garnishments, and harassment by creditors. Bankruptcy is often the most effective tool for obtaining relief from oppressive debt. We offer a Free Consultation where the benefits of filing bankruptcy will be reviewed by one of our attorneys on a case-by-case basis with a full review of all your options. Give us a call and ask to speak to either Sam or Roberta. We maintain a small firm that provides you with personal service from your first phone call to completion of your case.
Do I choose Chapter 13?
Chapter 13 allows you to reorganize you debts into one affordable payment plan If you need time to catch up on your mortgage payments, restructure a car loan, pay past due taxes, or consolidate and reduce credit card payments, Chapter 13 may be your best option. Chapter 13 allows you a time frame of 3 to 5 years to pay your creditors only as much as you can afford to pay while preventing creditors from harassing you. Your attorneys will safeguard your interests and make sure Chapter 13 is the right choice In order to qualify for Chapter 13 you must have a regular source of income. Your attorneys will advise and assist you prepare a budget, fill out the required forms and pleadings, and appear at the required court hearings. After all of your payments have been made according to your approved plan, you will be eligible to receive a discharge from your debts and the paymnet plan will be terminated. If you want to know if Chapter 13 Bankruptcy is the right choice for your financial circumstances, you will first need to discuss your financial goals with an attorney. Firebaugh & Andrews will be able to guide you to find the solution that best fits your financial situation.
Do I Choose Chapter 7?
Chapter 7 Bankruptcy is known as straight bankruptcy as well as liquidation (converting assets into money) and it is the most common form of bankruptcy. Certain property is protected or “exempted” from liquidation. Most people who are eligible for Chapter 7 are able to file bankruptcy, keep all of their assets, and discharge all of their debts. Most, if not all debts are discharged within months of your attorney filing a bankruptcy petition. Chapter 7 of the bankruptcy code allows debtors who are in need of discharging debts within a situation of financial emergency to become free and clear of these debts and to become able to begin a fresh new financial start.
Free Consultation
If you are concerned about your finances, Contact Us for a free phone consultation. You will speak directly with Sam or Roberta, attorneys who will answer all the questions that you have about filing Bankruptcy and whether it is right for you. Call us today at 734-722-2999, Toll Free : (800) 353-8019
Get your Free Consultation 734-722-2999
Latest News
March 28, 2022
For residents of Michigan, especially those who have fallen on hard times and might be considering filing for bankruptcy, knowing whether or not student loans can be included in a petition is an important question. Students across America carry an average of $29,000 in student loan debt by graduation. According to The Institute for College … Continue reading Student Loans and Bankruptcy: What Michigan Residents Need To Know
Read MoreMarch 27, 2022
If you’re facing bankruptcy, you’re likely feeling the financial stress like a ton of bricks. Bills have piled up so high you can’t see, your wages may be getting garnished, and you feel more than stuck. In these situations, paying for a bankruptcy lawyer may seem like something you can’t afford. However, there are affordable … Continue reading How Much Does a Bankruptcy Cost in Michigan?
Read MoreMarch 12, 2022
If you are looking to hire a bankruptcy attorney then you have likely seen multiple ads that all claim to provide prospective clients with free legal consultations. However, the word consultation means different things to different attorneys and it is, therefore, important to understand what your free bankruptcy consultation will be before you agree to it. … Continue reading Free Consultations: Important for Bankruptcy Cases
Read MoreMarch 4, 2022
Whether you can keep your tax refund in Chapter 13 bankruptcy depends on several factors. As a general rule you must turn over your federal tax refunds to your chapter 13 bankruptcy plan every year you are in the bankruptcy. You may always keep your state or city refund. If your bankruptcy plan proposes to … Continue reading Can you keep your tax refund in Chapter 13 Bankruptcy?
Read MoreFebruary 11, 2022
Chapter 7 and Chapter 13 bankruptcy will stay on your credit report for the same amount of time; about ten years. Although they both have the same effect on your credit score, a particular creditor reviewing your report to decide whether to lend you money might view one chapter more favorably than the other. In … Continue reading Will chapter 13 be better for my credit score then filing for chapter 11 bankruptcy?
Read MoreJanuary 9, 2022
Bankruptcy law in the United States is designed to ensure that no individual faces an undue burden as a result of his debts. If your debts are truly too much to handle, you can declare bankruptcy and some or all of the debt will be forgiven so you can start over with a (mostly) clean … Continue reading Top 10 Facts About Bankruptcy Law
Read MoreJune 16, 2020
Bankruptcy Myths #1: If I file for bankruptcy, I will lose everything. This is a common misconception that keeps people who really should file for bankruptcy from doing it. Federal and Michigan laws provide exemptions that can protect (up to a certain value) assets, such as your house, your car, money in qualified retirement plans, … Continue reading If you file bankruptcy will you lose everything? 10 bankruptcy myth busters
Read MoreOctober 1, 2019
Federal law and some states offer a “wildcard” exemption in bankruptcy that can protect any property you choose from creditors The New Bankruptcy A wildcard exemption comes in handy because it allows you to save property that you wouldn’t be able to protect otherwise. For instance, you might use it on sentimental (yet valuable) property, … Continue reading The Wildcard Exemption in Bankruptcy
Read MoreSeptember 19, 2019
Bankruptcy is not a simple matter with minor consequences. Rather, it may involve complex dealings with bankruptcy court and creditors. It could also have a major impact on your daily life. Filing for bankruptcy can affect your credit and property. Naturally, this is a stressful situation that you never envision yourself being in. The situation … Continue reading Checklist: Documents To Show To Your Bankruptcy Attorney
Read MoreSeptember 18, 2019
When a property is purchased on contract, land contract or some other form of agreement where the purchaser is renting to own real estate and the purchaser files for bankruptcy it can leave the seller in a precarious position. This is where an experienced Bankruptcy Attorney can help. One of three things is likely to happen … Continue reading WHAT HAPPENS TO A LAND CONTRACT PURCHASE OF REAL ESTATE WHEN THE PURCHASER FILES FOR BANKRUPTCY?
Read MoreTestimonial
Was not sure if I needed to file chapter 7 bankruptcy, I was stressed out the past 6 months with constant collection calls, after discussing it with Roberta it became clear it was the only way to move forward.
- Melinda Lewis,
Much to our surprise we were able to restructur
About Us
Our law firm advises and represents both individuals and businesses through the entire bankruptcy process. First, we will assist and advise you to determine whether you should even consider Bankruptcy as a worthwhile option, and discuss your options. If Bankruptcy is right for you, we will assist you in determining whether you should seek relief under Chapter 7, Chapter 11 or Chapter 13 Initial consultation is always free. Call us today : 734-722-2999 Toll Free : (800) 353-8019Bankruptcy Chapters
Debt Challenges
CREDIT CARD DEBTIf you’re overwhelmed by credit card debt, you’re not alone.
FORECLOSUREHave you have fallen behind on your mortgage payments and you are worried about foreclosure?
MEDICAL EXPENSESMany individuals and families are experiencing “medical bankruptcy.”
WAGE GARNISHMENTWage garnishment can tip the scales, turning a tough financial situation into an impossible one.
CREDITOR HARASSMENTWe can stop harassing calls, threats of legal action and embarrassing calls to family and friends.
Tax ForgivenessFiling bankruptcy can result in removing back taxes, as well as interests and penalties.
Meet our Team
Sam Firebaugh
- Practice Areas: Bankruptcy Chapter 7,Bankruptcy Chapter 11,
Bankruptcy Chapter 13
Read Full Bio
Roberta Andrews
- Practice Areas: Bankruptcy Chapter 7,Bankruptcy Chapter 11,
Bankruptcy Chapter 13
Read Full Bio
personal legal advisor
50 years of experience ---
Firebaugh & Andrews has over 50 years combined experience. Our law firm advises and represents both individuals and businesses through the entire Bankruptcy process.Recent Blogs
The belief that student loans are never dischargeable in bankruptcy makes us us cringe every time we see it â and we see it a lot. We cringe because itâs not true. You actually can get your student loan discharged in … Continue reading
Question Some time ago I got fined for a traffic violation. I wasn’t able to pay the fines, and the state took away my driver’s license. I am planning to file for Chapter 7 bankruptcy and hope to discharge the … Continue reading
Corporations and other businesses are required to declare bankruptcy through an attorney. However, individuals are allowed to represent themselves in bankruptcy proceedings. You may be tempted to declare bankruptcy without a lawyerâs assistance. The process may appear simple. You may … Continue reading
While some assume that a bankruptcy filing means the person can’t resist the temptation of credit cards (and in some cases, it may), most people who will file for bankruptcy do so for other reasons. Here’s a look at some … Continue reading
Today the biggest financial calamity looming ahead of 50 percent of people is not their immediate debt but the failure to set sights further down the road and look at the retirement crisis to come. Putting off dealing with your … Continue reading