In its most basic form, bankruptcy law is a consumer protection law. It is a Federal process, which allows consumers to have their qualifying debts forgiven. The law recognizes that bad things sometimes happen to good people, and consumers sometimes simply do not have the ability to comply with creditor's repayment demands. Bankruptcy law is a unique type of law based on forgiveness rather than punishment.
Filing for bankruptcy puts into effect the "automatic stay," which stops creditors from trying to collect any debt from you. The automatic stay immediately stops creditor phone calls, collection letters, wage garnishments, creditor harassment, lawsuits, bank levies, and all other types of harassment, intimidation and scare tactics by creditors.
Bankruptcy is a federal protection that must be observed by your creditors. Whether you live in Oakland, Macomb, St. Clair, Wayne, Livingston or Washtenaw counties and southeast Michigan
, hiring the right lawyer is the most important decision of your life. Let Melder & Melder, P.C. assist you with all of your bankruptcy needs.
We are a debt relief agency helping people file for bankruptcy relief under the Bankruptcy Code. Let us help you decide if bankruptcy is right for you.
For a free telephone consultation with one of our attorneys – call our offices in Royal Oak or contact us online
with a brief description of your concerns.