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An Introduction To Chapter 7 Bankruptcy

Bankruptcy is a legally declared inability of individuals or businesses to pay their debts. A bankruptcy can be requested not only by creditors in an effort to get what they are owed but also by the insolvent individual or organization. If it is difficult to repay debts, declaring the bankruptcy may be the right solution to debt problems.

Out of six basic types of under the Bankruptcy Code, Chapter 7 is a “liquidation” of nonexempt assets to pay debts. In a court-supervised procedure, a court appoints a trustee who liquidates the non-exempt assets of the debtor’s estate and makes distributions to creditors. The Bankruptcy Code allows the debtor to keep certain exempt property; but a trustee will liquidate the debtor's remaining assets.

According to the amendments to the Bankruptcy Code enacted in to the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, if a debtor’s income is in excess of certain thresholds, the debtor may not be eligible for chapter 7 relief. Fil…
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Fall Will Special

This is a perfect time of the year to give yourself a great present. A gift to yourself for your loved ones. A basic will can let the world know who gets what and when. Don't let the antiquated state laws determine coldly who will get your estate, if you do some simple thought and planning, you can direct the Court to who gets what and when.

Contact me for a free comprehensive evaluation of your estate and how you can protect your assets and pass those on to your loved ones in an efficient and caring way.


Power of Attorney and Will

Estate planning is a cornerstone planning block for any family, it can make an impossible time a little more smooth. Look, most folks, do not plan for their loved ones future, because they either don't want to think about passing, or quite frankly think it is to hard to do, and will cost to much. It will be easier later, when I have more things and am more established. Wrong, accidents happen. If you set a basic will, and a solid power of attorney, you can have piece of mind that these will be around if needed. And they do not cost an arm or leg.

Call today, get your quote, it is a lot more affordable than you may think.

313-343-9930 or

Free Power of Attorney

With every new will get a complimentary power of attorney document. It is a $200 value. A basic will protects your family and loved ones from the State deciding what and whom to give your things to. A will is a relatively easy document to prepare and should be done by everyone, regardless of what they think they have or don't have.

A quick and free phone consultation and find out why it is so important.

Call Today 313-343-9930
The cornerstone of any good estate is planning is documents. You need a will or trust, it is imperative. Medical directives and powers of attorney are essential too, if you wait to long, they are difficult to get, and impossible to enforce. As state of mind issues arise, your loved ones will be at a deep disadvantage.

Think of the most simple thing, like cashing a check, or withdrawing money from your bank to pay bills. Without a power of attorney, your loved ones will not be able to do this if you are unable to! You could fall behind on your house payments, or car payments, or have your utilities shut off.

So, do not wait, get that will, or power of attorney document in place today!

Call me at 313-343-9930 or email me at 

Thanksgiving Special

Get a basic will for $500.00.

Without a will, the state will determine who gets your stuff, and that could have unwanted consequences. A will is one of the cornerstone estate planning tools, and my office makes it so easy to obtain, you will be amazed on how quick and efficient the whole process is. You will ask yourself why you waited so long for such an important document.

CONSULTATIONS ARE FREE! Call or email me for an appointment.

Reduce Your Student Loan Debt

There is $1.4 trillion in student loan debt in the United States. Once reserved for credit card debt, student loans are now the biggest non-secured debt in our country.
What is more is that getting a student loan still remains relatively easy, while paying it back becomes ever more difficult.

There are some ways to pay off or pay down those student loan debt. Call or email me for your options.
I formulated a detailed plan do reduce your student loan debt and get you out from under that burden, but you have to call or email me to get that plan in place. 
313-343-9930 or