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Bankruptcy & Student Loan Relief

How Often Can I File for Bankruptcy in Michigan?

October 1, 2011March 30, 2023 Mike Shovan

The rules on filing bankruptcy are all founding the Bankruptcy Code. The time frame are all based on filing date to filing date (as opposed

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Bankruptcy & Student Loan Relief

What is an Emergency Bankruptcy Filing and how is it done?

September 18, 2011March 30, 2023 Mike Shovan

Filing an emergency bankruptcy can stop a foreclosure sale, a forfeiture, repossessions and garnishments.

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Bankruptcy & Student Loan Relief

What kind of issues would you consider when trying to decide whether to convert a Chapter 13 to a Chapter 7 bankruptcy vs dismissing the Chapter 13 and refiling a new chapter 7?

August 18, 2011March 30, 2023 Mike Shovan

There are a number of factors that must be taken into consideration including the following: 1. Time since prior discharge. 2. The Means Test. 3.

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What is the life of a judgment in Michigan?

August 15, 2011August 22, 2011 Mike Shovan

Under MCL 600.5809(3), a judgment from a Michigan court is good for 10 years.  A judgment can, however, be renewed for an additional 10-year period. 

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Bankruptcy & Student Loan Relief

Can payroll or unemployment taxes be discharged in a bankruptcy?

July 26, 2011March 30, 2023 Mike Shovan

It depends.  Payroll or employment taxes are comprised of two parts which include the following: 1.  The employer portion; and 2. The employee portion. The

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Garnishments

July 26, 2011 Mike Shovan

I receive a lot of calls about garnishments.  Many people are concerned that a creditor or a collection agency can garnish their bank account or

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What happens if I get sued by a creditor?

July 21, 2011 Mike Shovan

If you get sued by a creditor you will receive a Complaint either by personal service or by certified mail.  If you are personally served

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