Affordable Bankruptcy Lawyers 
What We Can Do For You?  STOPPING CREDITOR HARASSMENT 
                                             Protecting You from Debt Collectors

At our office, you will deal directly one of our lawyers from start to finish. We are available to answer your calls from 9:00 am to 5:00 pm Est.  

Our bankruptcy legal advice has helped thousands of families eliminate debt and hold on to their most valued possessions. We’ll walk you through the process step–by–step. When you contact our bankruptcy lawyers, you’ll receive a free consultation with an experienced bankruptcy attorney – a personal one–on–one debt evaluation. Our bankruptcy lawyers will listen to what you have to say and determine which solution will work best for you. If your goal is to be debt–free, but you’re uncertain about the best first step, contact us today. 


Over-the-Phone Free Consultation

Ask us whatever you want, we’ll discuss the legal process, what actions might be necessary for your case, and the best way to resolve your debt in a timely and cost effective manner.
Sometimes a person needs to file bankruptcy right away to stop a foreclosure, repossession, eviction, execution sale, tax levy, or utility shut-off. If you have an emergency, such as a garnishment or impending foreclosure sale, we can prepare an emergency Chapter 7 in as little as one day. Your bankruptcy will be effective immediately upon filing–--and you will save hundreds or thousands of dollars in unnecessary attorney fees!  If you have a financial emergency, and need to file an Emergency Bankruptcy or last minute bankruptcy case, contact us.  We handle Emergency Bankruptcy cases and can provide you a free bankruptcy evaluation to determine your bankruptcy options in order to deal with your financial emergency.
We Are Different...
We Have 14 Years of Experienced 
Chapter 7 bankruptcy is designed for individuals (and married couples) who can’t pay their bills such as credit cards, medical..etc. If your monthly income less your monthly expenses  then you’re may eligible for a Chapter 7 bankruptcy.Generally speaking, you will be able to wipe out your debt such as credit cards, medical and dental bills, unsecured personal loans and others. In Chapter 7, you may keep your house, car and no more garnishment.  
Money Back Guarantee: In spite of no one can predicate or guarantee the court ruling in any proceeding, and if the bankruptcy court declines your bankruptcy filing due to an error on our part, 100% of your legal fees paid to us will be returned to you.  No questions asked. No trick clauses. No hidden language.

Creditors Calls: As soon as you retain as, we will handle all your creditor calls. 

Services Guarantee: If for any reason there is a mistake in your bankruptcy petition due to an error on our part, we will amend your petition for a free.  We always take care of our clients.  From start to finish, we will strive to exceed your expectations in every aspect of your bankruptcy case representation. 
FREE Consultation
What is Chapter 7 Bankruptcy?
We are confident that no other bankruptcy law firm can beat our service
Emergency Bankruptcy
How much does it cost to file bankruptcy?

The current filing fee for a chapter 7 case is $306. You may pay the filing fee in installments. The court may waive the filing fee in a chapter 7 case if your income is below specified levels and the court finds that you cannot pay the filing fee in installments.

You should hire an attorney to assist you with filing bankruptcy. Attorneys usually charge a fixed fee for certain services in a bankruptcy case and the fees typically differ depending on the chapter under which you file. Your lawyer may request payment up front, especially if you are filing for chapter 7.
What documents do I need to file in a chapter 7 case? We need 
A copy of every bill or letter you have received from a collection agency;

A copy of any lawsuit or pleading you have received in a case in which you are involved;

Pay stubs representing an average pay period (include pay stubs for your spouse, even if he/she is not filing bankruptcy with you);

(If you own) Deeds to real estate in which you have any (even a partial) interest (including real estate you are purchasing or that you already own);

The original or memorandum title for any cars, trucks, trailers, boats, motorcycles, mobile or motor homes if you own or are purchasing, or other documents showing the value of your assets;

Income Tax Returns filed in the previous two years.
What should I do if a creditor demands payment of a debt after I file my case?

Most efforts by a creditor to collect a pre-petition debt (one that you owe as of the filing of your case) or to repossess your property without the permission of the bankruptcy court are violations of the automatic stay. If a creditor repossesses any property, such as your car, after you file for bankruptcy, the creditor must return the property to you.

The court may punish a creditor who knowingly violates the automatic stay and the creditor is liable to the debtor for harm caused. If you did not list a debt on the schedules filed with the court, the creditor may not be on notice of the bankruptcy. Therefore, you should inform the creditor of your bankruptcy and request that the creditor stop the collection efforts.

The Chapter 7 personal bankruptcy commences by filing a petition with the local bankruptcy court. Upon filing an “automatic stay” goes into effect, which means the creditors are prohibited from making any attempt to collect their debt including contact by phone, attempting foreclosure, repossession of secured property, garnishment of wages, eviction, or initiating or continuing lawsuits. 


How Long Will Chapter 7 Bankruptcy Take

If your Chapter 7 bankruptcy is considered a “no asset case” then the case will be closed fairly quickly.  Many Chapter 7 cases are “no asset,” which means the trustee on your case reviewed your documents and has determined that all of your assets are exempt and there isn’t anything that can be sold to pay towards your debts.

Assuming there are no other issues in your case, the entire process from case filing to Final Decree can take approximately four to six months. One of the things that will speed up the process is a Chapter 7 bankruptcy petition that’s drafted properly.
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We can file emergency cases the same day.
We complete all of the bankruptcy paperwork.
We offer multiple options for your credit counseling: in-person, by phone and online.
We can obtain a copy of your credit report during your consultation.


Associate Attorneys of Michigan, PLC 
(313) 982-0010
We Serve Detroit, Wayne County, Oakland, Macomb & Washtenaw (MI) 
Garnishment
Utilities Shutoff 
Collection Calls
Lawsuits 

We are open Monday through Friday, 9 am to 5 pm, Saturday 9 am to 1:00 (by appointment). 

FLAT FEE BANKRUPTCY LAWYERS
1-877-471-4049
STOP Foreclosures, Repossessions, Wage Garnishments Today!
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Our Michigan Bankruptcy Lawyers in Detroit represent individual and small business debtors in Chapter 7 and Chapter 13 bankruptcy cases, in all in all counties that are within the United States Bankruptcy Court for the Eastern District of Michigan including Detroit, Ann Arbor, Allen Park, Albion, Lincoln Park, Brighton, Howell, Hamtramck, Harper wood, Royal Oak, Southgate, Romulus, Canton, Southfiled, Saline, Monroe, Blissfield, Romulus, Southgate, Wyandotte, Livonia, Dearborn, Westland, Lansing, East Lansing, Okemos, Warren, Sterling Heights, Roseville, Eastpointe, Battle Creek, Oak Park, Hillsdale, Inkster, Ferndale, Hazel Park, Whitmore Lake, Plymouth, Farmington, Trenton, Flat Rock, Tecumseh, Clinton, Chelsea, Novi, Garden City, Westland, Northville, South Lyon, Milan, Brooklyn, Melvyndale, Ecorse, Belleville, Canton, Wayne County, Ingham County, Washtenaw County, Monroe County, Macomb County, Livingston County, Shiawassee County, Clinton County, Eaton County, Calhoun County, Branch County, Hillsdale. The information contained herein is not legal advice. Any information you submit to us may not be protected by attorney-client privilege. All or some photos are of models and do not depict clients. An attorney responsible for the content of this Site is M. Zaher, Esq., licensed in Michigan with offices at 18551 W. Warren Ave., Detroit, Mi. 48228. We are expressly disclaim all liability in respect to actions taken or not taken based on any or all the contents of this website. We reserve the right , at our sole discretion, to change, suspend, or discontinue all or any part of this website or the content at any time without prior notice or liability. 

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
We Are A Michigan Law Firm:  Associate Attorneys of Michigan., PLC 
Location:  18551 W. Warren Ave ., Detroit, MI. 48228 


Tel                        : 313-982-0010
Toll Free                : 1-877-471-4049
Fax                       : 313-271-2561
Email                    : Lawyers@zaherlaw.com
Business Hours     :  M-F From 9:00 AM to 5:00 PM  

For your FREE CONSULTATION and to speak with an experienced Michigan Bankruptcy Lawyer contact us today at 313-982-0010!
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Our lawyers  have over 15 years of insolvency, debt free and chapter 7 bankruptcy experience  
Experience makes all the difference!
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Bankruptcy Lawyers
Our Chapter 7 Success Rate is Over 99%
Associate Attorneys Of Michigan., PLC 
Southfiled  
24300 Southfiled Rd, Ste 210
Southfiled, MI. 48075 
(248) 281-6299
Detroit
18551 W. Warren Ave., 
Detroit, MI. 48228
(313) 982-0010 
Bankruptcy Coupon 
$499.00
Offer Expires: 4/14/2014
For Chapter 7 Bankruptcy + 306 .00 Court Filing Fee = $808.00