Chapter 13 bankruptcy
Stop foreclosure, repossession and creditor harassment. Keep your possessions. Handle student loans, tax debt and unemployment debt.
From $0 down for W2 employed
Michigan bankruptcy lawyers, 24 years of experience
Facing bankruptcy? Get a fresh start.
Stop garnishments, foreclosure, repossession and creditor calls. Talk to a board certified bankruptcy lawyer for free, and know exactly what it costs before you commit.
- Fast, reliable Chapter 7 and Chapter 13 filings
- Chapter 7 from $1,499 down. Chapter 13 from $0 down for W2 employed.
- Your case is handled by Jesse, not passed to a call center
- Offices in Southfield, Ann Arbor, Jackson, Brighton and St. Clair Shores
Free bankruptcy consultation
Tell us what is happening and we will get back to you shortly. Or call (248) 233-0758.
- Board certified in consumer bankruptcy law by the American Board of Certification
- 4.9 on Google
- 5 Michigan offices
- Licensed in Michigan and Colorado
- Free consultation
The price is on the page
Most firms make you book a consultation to find out what bankruptcy costs. Ours is right here, and you get a fixed quote before you commit.
$0
Down, Chapter 13 for W2 employed filers
Attorney fees are paid through your plan, subject to court approval.
$1,499
Down, Chapter 7 single filers
$1,699 for joint filers. Down payment toward a fixed attorney fee quoted at your consultation.
$338
Chapter 7 court filing fee
Separate from attorney fees, payable in installments.
How we can help
You are represented at all times by one of our Michigan bankruptcy attorneys, providing the fastest service possible.
Chapter 7 bankruptcy
Eliminate credit card, medical bill and deficiency balance debt. Reduce or eliminate tax debt.
From $1,499 down for single filers
What clients say
The attorney who will actually handle your case
“I grew up poor, so I knew what it was like to live hand to mouth.”
With 24 years of experience, Jesse Sweeney has represented more than 1,000 clients in Chapter 7 and Chapter 13 cases across Michigan and Colorado. He is board certified in consumer bankruptcy law by the American Board of Certification, admitted to the United States District Court for the Eastern District of Michigan, and a member of the American Bankruptcy Institute and the National Association of Consumer Bankruptcy Attorneys.
He became a bankruptcy lawyer after watching his mother struggle with money. It is the reason the firm treats filing as a legal tool rather than a verdict on how someone has lived.
Jesse R. Sweeney, J.D. — Founder, Sweeney Bankruptcy Lawyers
What actually happens
A free call
Tell us what is happening. No forms to fill in first.
We look at the real numbers
Income, debts, assets, and what you are trying to protect.
We tell you which chapter fits and what it costs
In plain English, before you commit to anything.
We file, and collection stops
In most cases the automatic stay takes effect the moment we file, and garnishments, calls and sale dates stop.
Questions people actually ask
Will I lose my house or my car?
In most Chapter 13 cases, no. Chapter 13 is a repayment plan built to let you keep secured property while you catch up on arrears. Chapter 7 is different, and Michigan exemptions decide what is protected. This is the first thing we work out on the call.
What is the difference between Chapter 7 and Chapter 13?
Chapter 13 is a consolidation payment plan, in most cases without having to pay everyone back. Chapter 7 is not a payment plan, and in some cases you can lose property.
Do I qualify?
It depends on the means test, which compares your income to the Michigan county median, and on your disposable income.
Do I have to go to court?
You attend a 341 meeting of creditors. You typically never appear before a judge.
What happens to my credit?
Chapter 7 stays on your record for 10 years, Chapter 13 for 7 years from filing.
Our Michigan offices
Southfield
28475 Greenfield Rd, Suite 217Southfield, MI 48076
Ann Arbor
2035 Hogback Rd #207Ann Arbor, MI 48105
Jackson
234 W. Louis Glick HighwayJackson, MI 49201
St. Clair Shores
25801 Harper AveSt. Clair Shores, MI 48081
Brighton
800 W Grand River Ave, Suite 836Brighton, MI 48116
Not near any of these? We handle cases statewide by phone and video.
Tell us what you are facing. We will tell you what it costs.
A free, no-obligation call with our office. Bring two years of tax returns and a list of who you owe, and we can usually give you an answer the same day.
Free consultation, no obligation