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Attorney Mike Shovan (989)847-6030

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Year: 2010

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Bankruptcy & Student Loan Relief

Can I convert my Chapter 13 into a Chapter 7 bankruptcy?

February 14, 2010March 30, 2023 Mike Shovan

Yes. You have an absolute right to convert your Chapter 13 to a Chapter 7. You can get more details and all your Michigan bankruptcy

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Bankruptcy & Student Loan Relief

Who is the bankruptcy trustee and what do they do?

February 14, 2010March 30, 2023 Mike Shovan

In every case under Chapter 7 or Chapter 13, a trustee is appointed to supervise your case. Typically most Chapter 7 cases do not contain

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Bankruptcy & Student Loan Relief

Do I get to keep my income tax refund?

February 14, 2010March 30, 2023 Mike Shovan

The right to receive an income tax refund is property of your bankruptcy estate. Income tax refunds are typically exempted from the reach of your

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Bankruptcy & Student Loan Relief

What is a reaffirmation agreement?

February 14, 2010March 30, 2023 Mike Shovan

With a reaffirmation agreement, you agree to pay a debt that you otherwise could have discharged. For example, you have a car loan and you

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Bankruptcy & Student Loan Relief

What is an exemption?

February 14, 2010March 30, 2023 Mike Shovan

An exemption is a privilege or an allowance which allows you to retain certain amounts of property in certain classes including your house (homestead) and

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Bankruptcy & Student Loan Relief

If I filed bankruptcy earlier in my life can I file again?

February 14, 2010March 30, 2023 Mike Shovan

Yes. You can file a Chapter 7 bankruptcy 8 years after your last Chapter 7 discharge or 6 years after your last Chapter 13 discharge.

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Bankruptcy & Student Loan Relief

If I am married do I have to file a joint bankruptcy with my spouse?

February 14, 2010March 30, 2023 Mike Shovan

No. You can file as an individual. The decision to file individually or jointly is based on your unique circumstances.

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