| The Hines Law Office has the experience and understanding to assist you with your bankruptcy proceedings. Your initial phone consultation with a lawyer is free of charge - call 775-8513 (or send an e-mail here) to begin discussing the details of your situation right away. |
Specializing in the two primary types of personal bankruptcy:
Bankruptcy
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| Burton A. Hines, Jr. Attorney with over 35 years of experience. |
HINES LAW OFFICE
Cadillac, MI
Cadillac, MI
Experienced representation that
you can rely on. Reasonable
costs that you can afford.
you can rely on. Reasonable
costs that you can afford.
Chapter 7
Chapter 7 (which is more commonly referred to as 'straight
bankruptcy') involves the liquidation of all non-exempt assets.
Examples of property that may be considered exempt might include
automobiles, work-related tools and basic household furnishings.
Usually, however, the Hines Law Office has allowed debtors to be
able to retain all of their property in a Chapter 7 (Some exceptions
may apply). A person is only able to receive a discharge of their
debts once every eight years.
Chapter 13
Chapter 13 allows individuals with a steady income to keep their
property (such as a mortgaged house or car) that they otherwise
might lose. With this type of bankruptcy, the court approves a
repayment plan that allows use of future income to pay off debts
during a three to five year period. After all payments have been
made under this plan, the individual would receive a discharge of
their debts.
We are a debt relief agency, we help people file for relief under the bankruptcy code
Chapter 7 (which is more commonly referred to as 'straight
bankruptcy') involves the liquidation of all non-exempt assets.
Examples of property that may be considered exempt might include
automobiles, work-related tools and basic household furnishings.
Usually, however, the Hines Law Office has allowed debtors to be
able to retain all of their property in a Chapter 7 (Some exceptions
may apply). A person is only able to receive a discharge of their
debts once every eight years.
Chapter 13
Chapter 13 allows individuals with a steady income to keep their
property (such as a mortgaged house or car) that they otherwise
might lose. With this type of bankruptcy, the court approves a
repayment plan that allows use of future income to pay off debts
during a three to five year period. After all payments have been
made under this plan, the individual would receive a discharge of
their debts.
We are a debt relief agency, we help people file for relief under the bankruptcy code
| For help with your own individual situation, and to discuss fees and payment plans, contact Burt at 775-8513. The initial consultation is free of charge. |
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