The first step is to come in my office for your free consultation. At that time, I will carefully review and analyze your situation. I will provide a thorough explanation of the law so that you can make an informed decision about whether you need to file a Chapter 7 or a Chapter 13 bankruptcy in Michigan. Call my 24 hour toll free number at (877) 233-9389 or fill out the contact information on my home page. I will get in touch with you that day.