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Bankruptcy And Debt Relief

Information About Debt Relief

Below is a compilation of debt relief and bankruptcy information that we have put together for those that wish to further educate themselves on their options, and the process in general. From a glossary of the different types of bankruptcy, to pertinent forms, and various helpful websites, we hope you’ll find what you’re looking for. As always, don’t hesitate to call or email us directly with your questions and concerns.

Course Options

Please note that the prefiling credit counseling course must be completed within 180 days prior to filing the bankruptcy.

AccessBK
http://www.AccessBK.org
1-800-443-7169
Attorney Code: JR3615

Green Path, Inc.
http://www.greenpath.com
800-630-6718
Attorney Code: iskin

Abacus Credit Counseling
http://www.abacuscc.org
(800) 516-3834
Attorney Code: ACC24630

Debt Education and Certification Foundation
http://www.DECAFnow.com
866-859-7013
Attorney Code: BTX95217

Misc. Forms For Download

Disclosure Sheet
DSO Intake
Information About Bankruptcy
Questionnaire
Trustee Questionnaire
What Will Happen Next

Helpful Links

Bankruptcy Court Website for Western District of Michigan: http://www.miwb.uscourts.gov/
Chapter 13 Trustee Brett Rodgers: http://www.rodgersch13.com/
Chapter 13 Trustee Barbara Foley: http://www.chpt13.com/
National Data Center to track bankruptcy payments: https://www.ndc.org/
United States Trustee: https://www.justice.gov/ust

Bankruptcy Types

Chapter 7 Bankruptcy: Often referred to as a liquidation or liquidating bankruptcy, Chapter 7 bankruptcy is available to both individuals and businesses. In Chapter 7 bankruptcy, a trustee is appointed to sell non-exempt assets and belongings of Chapter 7 debtors. But, THERE IS HOPE! DEBTORS DON’T HAVE TO LOSE ALL THEIR STUFF! If you are considering filing Chapter 7, contact a skilled bankruptcy attorney today to maximize the exemptions used to protect your belongings.

Chapter 13 Bankruptcy: In a Chapter 13 bankruptcy, individual debtors propose a generally 3 to 5 year plan of payments to creditors by way of a trustee. The plan must pay creditors what they would receive in a Chapter 7 bankruptcy, and provide all of a debtor’s disposable income. Debtors should contact a skilled bankruptcy attorney to keep their Chapter 13 plan payments as low as possible.

Chapter 11 Bankruptcy: Generally thought of as a corporate bankruptcy, Chapter 11 bankruptcy is available to corporations, and to individuals, usually who have too much debt for Chapter 13 and too much income for Chapter 7. Chapter 11 bankruptcies are more complicated bankruptcies, and involve a payment plan and solicitation of votes from creditors for acceptance of the plan.

Chapter 9 Bankruptcy: Chapter 9 bankruptcy is the reorganization of a municipality. Sadly, this one has hit the news more in recent years thanks to insolvency in Detroit, San Berardino, and Stockton, California.

Chapter 12 Bankruptcy: Chapter 12 bankruptcy is like a Chapter 13 bankruptcy, but with nuances for family farmers and family fisherman.

Chapter 15 Bankruptcy: Probably the bankruptcy chapter you are least likely to have heard of before, a Chapter 15 bankruptcy is one that involves debtors, assets, claimants, and other parties of interest involving more than one country.

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Your Niles Bankruptcy Lawyer

(269) 743-3615   I  ji@iskinlawfirm.com

Debt Relief

Iskin Law Firm PLLC is a federally defined "Debt Relief Agency" according to 11 United States Code Sec. 101. It helps people file for bankruptcy under the Bankruptcy Code.

Hiring An Attorney

An attorney/client relationship with Jeremy Iskin and Iskin Law Firm PLLC is created solely by a signed contract between attorney and client.
As the hiring of an attorney is an important decision that should not be based solely upon information contained on a website or in advertisements, please ask us to send you written information about our qualifications and expertise.

Information

The information on this website is for informational purposes only, and should not be construed as legal advise. Jeremy Iskin and Iskin Law Firm PLLC expressly disclaim liability in respect to actions taken or not taken based on the contents of this website.

Proud bankruptcy lawyer for clients throughout the entire Southwest Michigan area. Available for representation to individuals throughout the area, including: St. Joseph, Stevensville, Benton Harbor, Coloma, Watervliet, Hartford, Bridgman, Baroda, Eau Claire, Sodus, Union Pier, Sawyer, New Buffalo, Niles, Edwardsburg, Dowagiac, Cassopolis, Buchanan, Berrien Springs, New Troy, Glendora, Three Oaks, Galien, Marcellus, Sumnerville.