Top Rated
Bankruptcy Experts

Stop Worrying
Debt Relief | Preserve Your Assets

Stop Those Harassing Calls from Creditors
Stop Foreclosures And Repossessions
Get a Fresh Start Today

SANFIELD LAW has a clear advantage over the competition because we have attended and won Bankruptcy cases for over four decades. We will create a winning and proven strategy for your Bankruptcy matters. We will provide an initial free consultation and put our forty years of experience in Macomb County to work for you to obtain a far better result and win your case and discharge your debts.

Highly qualified Michigan Bankruptcy Attorneys give Individuals and Businesses the opportunity for a fresh start. If you are living from paycheck to paycheck, subject to harassing collection calls, using credit cards to make ends meet, in danger of losing your home or vehicle or struggling to support yourself and your family, you may an excellent candidate for Bankruptcy. Call GARY SANFIELD LAW today.

We May Be Able To Help You With:

Debt Settlement
Stopping Foreclosure and Vehicle Repossession
Stop Garnishments
Erase Medical Debt

Chapter 7 (Liquidation)
Chapter 11 (Business Reorganization)
Chapter 13 (Individual Repayment Plan)

DESCRIPTION OF BANKRUPTCY

Chapter 7 Bankruptcy – provides a fresh start with his or her credit by erasing most debt. People with large amount of unsecured debt such as credit card, personal and payday loans, utilities, cash advances, residual balances owed after vehicle repossession, garnishments and medical bills are typically good candidates for Chapter 7 Bankruptcy.

In most cases, the person filing may keep their home, car and other valuables.

Chapter 13 Bankruptcy – provides individuals the opportunity to repay some or all of their accumulated debt through a court approved repayment plan. The Bankruptcy Court typically determines the repayment plan based on the examination of a person’s income and expenses. There is a determination of available money after all household expenses are paid for the court to determine the amount of available money for this repayment plan, after ongoing living expenses. A Trustee is appointed by the court. This Trustee accounts for each month’s payments and then disburses them directly to the creditors.

Chapter 11 Bankruptcy - allows a business, whether a corporation, sole proprietorship, or partnership to reorganize their debt. A corporation exists separate and apart from its owners, the stockholders. The chapter 11 bankruptcy case of a corporation (corporation as debtor) does not put the personal assets of the stockholders at risk other than the value of their investment in the company's stock.

However, a sole proprietorship (owner as debtor) does not have an identity separate and distinct from its owner(s). Therefore, bankruptcy cases involving a sole proprietorship includes both the business and personal assets of the owners-debtors. Like a corporation, a partnership exists separate and apart from its partners. In a partnership bankruptcy case (partnership as debtor), however, the partners' personal assets may, in some cases, be used to pay creditors in the bankruptcy case or the partners, themselves, may be forced to file for bankruptcy protection.

CALL SANFIELD LAW for a FREE CONFIDENTIAL CONSULTATION. We offer same day, evening and weekend appointments are available. Payment plans and all credit card accepted. CALL (586) 228-2000

Contact Gary

Sanfield Law

(586) 228-2000

24/7 for your free consultation & find out how we can help you to:

Stop Harassing Calls
Save Your Home
Keep Your Car
Eliminate Bills
Provide a Debt-Free Future

(586) 228-2000 (586) 228-2000

"Hired Mr. Sanfield for a bankruptcy in 2011. The case went smoothly mainly because of Mr. Sanfield's thoroughness and expert guidance and counsel in the steps leading up to and preparing for the actual court appearance. I find Mr. Sanfield to be personable, professional, and a real asset when legal help is needed. I have and continue to recommend his services to my friends and family."

- Mark

"Hired Gary for my bankruptcy. He did a great job, especially as there were some issues that could have caused some problem but he was able to help me out and everything went smoothly. His secretary kept me informed during the whole process. Gary definitely knows his stuff, would recommend for sure!"

- Angelo

"Gary recently handled my personal bankruptcy. From our free initial consultation until completion, Gary and his secretary showed their interest in my case, answered all of my questions, and made me feel comfortable with my decision when I doubted that I could proceed and come out OK at the end.

Gary advised me about every detail concerning what to do and how the case would proceed to its completion.

Both Gary and his secretary are professionals and know what they are doing. If I ever need an attorney again, I would call Gary and ask for his advice. I would recommend everyone else do the same!!!

Thank You Gary and secretary for helping me make a new start."

- Daniel