I always knew that I wanted to use my law degree to help people in need. After moving from Toronto to Detroit, at the peak of the recession, I saw that the community of Detroit was in a real need. Hard-working people were now losing jobs and living off of credit cards just to get by. People in Detroit who could not afford medical insurance had medical bills that were piling up. These people just needed a break, a second chance, to get their life together again and start fresh. I knew then, that I wanted to commit my life to help my community out of this tough time and give them that second chance that they desperately deserve. However, after researching many different bankruptcy law firms in Detroit, I noticed a big problem. The large firms that offered quality service were very expensive and the cheaper firms were not offering the quality service that people deserve. Therefore, I started my own firm practicing bankruptcy for Chapter 7 or Chapter 13, addressing those issues. At the Adler Law Firm our mission is simple – to offer quality Bankruptcy service or Debt Relief that people deserve at an affordable rate.
Jurisdictions Admitted to Practice
Michigan
State Bar of Michigan ID Number: p76319 2012-2020
Professional Experience
2017 - Current
Adler Law Firm PLLC
Partner
Education
2009 - 2012
Wayne State University Law School
J.D. (2012) | Bankruptcy
Contacts
Adler Law Firm PLLC24750 Lahser Rd Southfield MI 48033Telephone: (248) 270-8223
Don’t Hire a Bankruptcy Lawyer Until They Answer These 9 Questions
How do you find the right bankruptcy attorney? It is perfectly normal to feel utterly overwhelmed by the bankruptcy process. However, following a systematic set of principles can allow you to complete the filing process as painlessly and efficiently as possible. you can both find the right lawyer for you and complete the filing process as efficiently and painlessly as possible.
1. Is bankruptcy the best option for me? You want a lawyer who genuinely helps advises clients based on their unique circumstances instead of just trying to make a sale. A good bankruptcy lawyer will only take on clients for whom bankruptcy makes the most sense, while advising others to get help in ways that make most sense for them.
2. What is Your Experience as a Bankruptcy Attorney? Many law firms specialize in other fields of practice and only file bankruptcies on the side. Generally, it’s a good idea to find an attorney dedicated to helping people with their debt. Having someone who really cares and files bankruptcies on a daily basis will be your best advocate for your bankruptcy success.
3. Should I be Filing for Chapter 7 or Chapter 13? Remember to ask your lawyer which type of bankruptcy is best for you.
Chapter 7 may be better for you if your income is below a certain level. This requires you to surrender much of your property, and you’ll be released from your debt, with some exceptions, such as back taxes or student loans.
Chapter 13 allows you to keep your property by agreeing to a payment plan to pay off your debts over a 3-5 year period.
4. Who will be handling my case? It’s really important to make sure you trust your lawyer and want them to take care of your case. We recommend meeting with the lawyer in-person before hiring them. Also, make sure an experienced lawyer will handle your case to increase the likelihood of successfully filing for bankruptcy. Some firms will only have you meet with an experienced lawyer, while an inexperienced lawyer will actually work on your case, lowering your odds for getting your case discharged.
5. What are the total costs for filing for bankruptcy? What is included? Be sure your lawyer gives you the total cost up-front, from their fees to court fees, to avoid any hidden fees later on. For example, in Chapter 7 cases, the fee is $335, and for Chapter 13 cases, the fee is $310. There are also several courses you may need to take which may cost additional money.
6. Will you keep me updated throughout the case? Find out from your lawyer how long the bankruptcy process will take and at what points they will contact you to keep you updated.
Additionally, make sure you understand the attorney’s preferred methods of communication, whether by email or phone call. You should also ask who will field your questions or concerns if the lawyer isn’t available right away.
Some attorneys communicate with clients primarily by email, while others prefer to use the phone. Some will be accessible after hours. Be sure to choose a lawyer who communicates using your preferred contact method.
7. Are there any Problems With My Bankruptcy Case? It is crucial to find a lawyer who will be upfront with you about the potential risks involved in filing for bankruptcy, such as the possibility of losing some of your property and how it may affect your credit rating. Your lawyer’s response to this question will help you accurately assess their expertise and honesty.
8. How Long Will the Bankruptcy Process Take? Ask the attorney to tell you about how long you can expect each step in the bankruptcy process to take. Does your lawyer start working on the case immediately, or is there a backlog? How long your case will take depends on several factors. You can expect your Chapter 7 case to take about four months from start to finish. Chapter 13 bankruptcies tend to take longer until they are completely finished, especially if you decide upon a 5-year payment plan.
9. What Happens After My Bankruptcy? Ask your attorney if they offer personalized support with planning your finances after the bankruptcy has gone through. Some bankruptcy law firms provide useful help with improving your credit record and other financial issues.
At Adler Law Firm PLLC, we understand that filing for bankruptcy can be a very stressful and daunting experience for you. That's why we try to make filing for bankruptcy as easy and quick as possible at a very affordable rate. You can be sure that as soon as you speak with our bankruptcy attorney, you will know that you are in good hands and you can put that stress behind you for good. We file bankruptcy filing services for the greater Detroit area, including Southfield, Warren, Royal Oak, and Farmington Hills.
Visit us today at https://bankruptcy-attorney-detroit.com/ Find us on Facebook at https://www.facebook.com/DetroitBankruptcyAttorney/
Chapter 13 Bankruptcy is for individuals with regular income to pay back their creditors based on how much they can actually afford. The debtor proposes a plan to the court detailing how much will be paid to each of the creditors. Once that plan gets approved by the judge, the debtor makes one monthly payment to the trustee for either 3 or 5 years and that payment will be distributed to the creditors.
How is Chapter 13 different than Chapter 7 bankruptcy? The main difference between chapter 7 and chapter 13 is that under chapter 7, the debtor’s nonexempt property (if any exists) is liquidated to pay off any of the debtor’s debts, while in most chapter 13 cases a portion of the debtor’s future income is used to pay off as much debt as possible considering the circumstances.
Practically speaking, under chapter 7 the debtor loses all or most of his or her nonexempt property and receives a chapter 7 discharge, which completely removes most of the debts. Under chapter 13, the debtor usually gets to keep their nonexempt property, and must pay off as much of their debts as the court deems feasible. Afterwards, they receive a chapter 13 discharge, which is broader than a chapter 7 discharge and releases the debtor from liability for several types of debts that are not dischargeable under Chapter 7.
However, a chapter 13 plan normally lasts 3 to 5 years while a normal chapter 7 only lasts around 3 months. Additionally, a chapter 13 is almost always more expensive for the debtor.
How long will my repayment plan last under a Chapter 13 bankruptcy? This all depends on your income. If your monthly income is greater than the median income for a family of your size in Michigan then your plan will last 5 years. If your monthly income is less than the median income for your household size then your plan may only last 3 years.
What are some of the advantages of filing a Chapter 13? One of the greatest advantages of filing for chapter 13 bankruptcy is that you can save your house from foreclosure. Chapter 13 also allows you to pay back your delinquent mortgage payments over the course of the bankruptcy. Last but not least, you will have no more direct contact with the creditors. You will make one lump sum payment to the trustee which will then be distributed to each of the creditors. This will give you some peace of mind in not having to deal with annoying collection phone calls anymore.
Have a Bankruptcy Attorney Evaluate Your Bankruptcy Filing Are you interested in a free consultation? At Adler Law Firm, we guarantee a successful Chapter 13 bankruptcy or your money back if the disapproval is based on our performance!
Want to learn more about the bankruptcy process and what you need to file? Call us to get Started. Through the bankruptcy process, you can finally receive a fresh start and this hard time will become a distant memory!
Trying to decide if bankruptcy is right for you? The Adler Law Firm PLLC in Detroit, Michigan offers FREE consultations to help people in need decide if bankruptcy is right for them. If you’re even considering bankruptcy in or near Detroit, MI, The Adler Law Firm can help show you the various options, such as Chapter 7 bankruptcy and Chapter 13 bankruptcy, and help you navigate the complexities and ramifications of each. We also offer some of the most affordable prices in the Detroit Metro area without compromising on quality. Contact Us Today!
When it comes to financial trouble, choosing a Michigan bankruptcy lawyer with the knowledge and experience necessary to make a difference in your future is the first step on a road to positive change. At Adler Law Firm PLLC, we understand that filing for bankruptcy can be a very stressful and daunting experience for you. That's why we try to make filing for bankruptcy as easy and quick as possible at a very affordable rate. You can be sure that as soon as you speak with our bankruptcy attorney, you will know that you are in good hands and you can put that stress behind you for good. We file bankruptcy filing services for the greater Detroit area, including Southfield, Warren, Royal Oak, and Farmington Hills.
Visit us today at https://bankruptcy-attorney-detroit.com/ Find us on Facebook at https://www.facebook.com/DetroitBankruptcyAttorney/
What is Chapter 7 Bankruptcy? Chapter 7 bankruptcy is the process you go through to clear all of your unsecured debt. Unsecured debt is a loan that is not backed by an underlying asset, like a car or a house. Examples are credit card bills, medical bills, utility bills, repossessions, and foreclosures.
In order to qualify for chapter 7 you can’t be making over a certain amount and you can’t own too many assets. At our free consultation we will be able to determine whether you will qualify for chapter 7 or not. The majority of our clients qualify for chapter 7 and get a brand new fresh start. If you don’t qualify for chapter 7 you would need to file a chapter 13 which is more like a payment plan with the court.
What is the procedure for filing Chapter 7 Bankruptcy? First we meet for a free consultation. At the consultation we will discuss if bankruptcy is a good option for you. If we determine that you qualify for Chapter 7 and that bankruptcy is the best option for you, we will give you some forms to fill out and tell you what documents are needed from you. Once you fill out the forms and bring in the required documents, we can have your bankruptcy filed within a week or two. You will also need to attend a meeting of creditors approximately 1 month after we file the bankruptcy. After that meeting, we wait another 60 to 70 days and you will receive the discharge papers in the mail.
To qualify for chapter 7, you can’t be making over a certain amount and you can’t have too many assets. At our free consultation, we will be able to determine if you will qualify for chapter 7. The majority of our clients qualify for chapter 7 and get a brand new fresh start. If you don’t qualify for chapter 7, you would need to file a chapter 13 which is like a payment plan with the court.
How Can Filing for Chapter 7 Help Me? As soon as we file for bankruptcy something called an "automatic stay" is put into effect. This means that no creditor is allowed to contact you anymore. Finally, the annoying and harassing phone calls will stop. Also, creditors can’t sue you or garnish any of your wages. The “automatic stay” is put into effect automatically once we file.
Chapter 7 completely gets rid of your credit card debt, medical bills, utility bills, civil judgments, and any other unsecured debt you have. Chapter 7 also automatically stops utility shut offs.
By filing for Chapter 7, you can surrender your car or house in the bankruptcy and not have to pay the remaining debt. If you want to keep your car you may be able to negotiate a better payment plan. If a creditor has garnished more than $600 from you within 90 days of filing the bankruptcy, you can usually get that money back.
What does chapter 7 NOT get rid of? Most tax debts Most student loans Child support and alimony court fines & criminal restitution Personal injury cases that were caused by drunk driving or driving under the influence of drugs Any debt that was incurred through the act of fraud
Trying to decide if bankruptcy is right for you? The Adler Law Firm PLLC in Detroit, Michigan offers FREE consultations to help people in need decide if bankruptcy is right for them. If you’re even considering bankruptcy in or near Detroit, MI, The Adler Law Firm can help show you the various options, such as Chapter 7 bankruptcy and Chapter 13 bankruptcy, and help you navigate the complexities and ramifications of each. We also offer some of the most affordable prices in the Detroit Metro area without compromising on quality. Contact Us Today!
When it comes to financial trouble, choosing a Michigan bankruptcy lawyer with the knowledge and experience necessary to make a difference in your future is the first step on a road to positive change. At Adler Law Firm PLLC, we understand that filing for bankruptcy can be a very stressful and daunting experience for you. That's why we try to make filing for bankruptcy as easy and quick as possible at a very affordable rate. You can be sure that as soon as you speak with our bankruptcy attorney, you will know that you are in good hands and you can put that stress behind you for good. We file bankruptcy filing services for the greater Detroit area, including Southfield, Warren, Royal Oak, and Farmington Hills.
Visit us today at https://bankruptcy-attorney-detroit.com/ Find us on Facebook at https://www.facebook.com/DetroitBankruptcyAttorney/
Filing for bankruptcy in Michigan will help you get rid of your debt (money you owe people) in just a few months. You can file for Chapter 7 or Chapter 13 bankruptcy. Whether you file for chapter 7 or chapter 13 really depends on your assets (the amount of money you owe and the total value of the things you own).
What is the difference between chapter 7 and chapter 13? Declaring Chapter 7 bankruptcy is a liquidation, which means that you give up things you own (your assets) to someone (a trustee) who then sells them to the people you owe money. After this, you will no longer owe those people any money and they can no longer bother you. You will now be debt-free, getting a fresh start. In Chapter 13 Bankruptcy, you still owe people money, but you can pay it back over a 3-5 year period, and you also may not have to pay back some of the money.
The bankruptcy process is relatively simple, but the laws that control each step can be difficult to navigate unless you’re an expert in them yourself. We suggest that you meet with a lawyer to learn whether you should go through this process and how you can benefit from the lawyer’s help. At Adler Law Firm, we will meet with you for free to help you learn whether filing for bankruptcy is the best way for you to get rid of your debt. Just call us now at (248) 270-8223 for your free consultation.
The Bankruptcy Process The Bankruptcy Process Here are the 7 steps to getting rid of your debt: 1. Figure out if filing for bankruptcy makes sense for you In order to file for chapter 7 bankruptcy, you need to be earning below a certain amount of money each year to file successfully. Meeting with an attorney or legal expert will help you figure out if you should file for chapter 7 or chapter 13 bankruptcy.
2. Determine whether bankruptcy will get rid of your debt and choose what items you want to keep after filing Certain kinds of debt (money you owe a creditor) are impossible to get rid of by filing for bankruptcy. We recommend that you look into whether filing for bankruptcy will help get rid of the debt you owe. Filing for bankruptcy does not get rid of the following types of debt:
Most tax debts Student loans Child support and alimony Court fines & criminal restitution Personal injury cases that were caused by drunk driving or driving under the influence of drugs Any debt that was incurred through the act of fraud
3. Take a course on money management before and after filing You’ll need to take 2 courses showing you are taking steps to better handle your finances. Here is a list of approved financial counselling courses in Detroit, Michigan. These courses can cost between $15-$35, but you can get the course fee waived if you cannot pay. You’ll also need to take a course after filing to show you are actively adding to your financial knowledge to avoid financial problems in the future.
4. Fill out and submit forms to the court closest to where you live Find out the forms you need to file here. You’ll need to write where you currently live, where you’ve lived over the past 180 days, where your property and possessions are, and where you primarily work. Click here for a tool to help figure out where you need to submit your forms. If you live in Detroit, you’ll submit the forms to 211 West Fort Street Detroit, MI 48226.
5. Pay the filing fee to the court You’ll need to pay a fee so the court can process your case. It currently costs $335 to file Chapter 7 and $310 to file Chapter 13. You’ll need to submit payment when you submit the forms.
6. Attend an appointment and argue against the court’s ruling if needed You’ll go to a short meeting in court where an official called a trustee will ask you about the information you submitted, such as why you are filing for bankruptcy and questions about the money you owe people.
After this meeting, you can submit a motion or dispute claims before the judge decides on your case. You can potentially reopen your case later, but disputing claims before the case is over will make it more likely for your case to get approved.
7. Debts get erased! Congratulations! If you’ve followed the above steps, the court will send out an order that legally doesn’t require you to pay back your debts to creditors and your creditors can no longer collect debt from you.
At Adler Law Firm PLLC, we understand that filing for bankruptcy can be a very stressful and daunting experience for you. That's why we try to make filing for bankruptcy as easy and quick as possible at a very affordable rate. You can be sure that as soon as you speak with our bankruptcy attorney, you will know that you are in good hands and you can put that stress behind you for good. We file bankruptcy filing services for the greater Detroit area, including Southfield, Warren, Royal Oak, and Farmington Hills.
Visit us today at https://bankruptcy-attorney-detroit.com/ Find us on Facebook at https://www.facebook.com/DetroitBankruptcyAttorney/
What is Bankruptcy, and When Should I File? Are you struggling with debt? Do your creditors keep bothering you? Successfully filing for bankruptcy can help you get rid of your debt while treating your creditors fairly, giving you a fresh start.
Once you've filed, the bankruptcy laws also protect you from your creditors demanding you to pay them back. Let’s go through the basics of what bankruptcy is, how it can help you, and how much it costs.
Regardless, it’s important to keep in mind that the U.S. government recommends seeking legal guidance from a qualified attorney prior to filing for bankruptcy.
So,what is bankruptcy? Bankruptcy refers to the legal process of removing or reorganizing debt after proving you cannot pay it back. The U.S. government wants its citizens to thrive economically, so it created systems and laws that enable people to get out of debt so they can get a fresh start. These laws protect the people who file for bankruptcy by ensuring their creditors do not disturb them once they've filed. Bankruptcy laws apply to individuals and businesses, but we will only cover personal bankruptcy, which is when a person files bankruptcy.
How Can Bankruptcy Help Me? Bankruptcy can give you a fresh start on life by either getting rid of your debt, Chapter 7, or by renegotiating a debt repayment plan with the court, Chapter 13. You'll also need to take a financial course in order to help you stay out of debt forever. Filing for bankruptcy can lower your credit score, but it will also put you on the fast track to build your credit score, which will eventually make it easier to borrow money again. Remember, staying in debt will never improve your financial situation.
There are 2 kinds of personal bankruptcies, Chapter 7 and Chapter 13, and here’s a breakdown of each one: Chapter 7 bankruptcy is when you get rid of (or discharge) your debt by having the court liquidate your property to pay off the people you owe money. But don't worry, you can still keep your home. Just make sure you're on time for your mortgage payments and fill out the paperwork correctly when you file. Chapter 7 bankruptcy wipes out many types of debt, forever removing it from your life. However, Chapter 7 bankruptcy does not wipe out certain kinds of debt, including student loans, taxes, and alimony. Log onto our website for a more complete list of debts Chapter 7 bankruptcy does not get rid of. Chapter 13 bankruptcy relieves you of debt by creating a debt 3-5 year repayment plan approved by the court. Unlike Chapter 7, which is essentially selling assets, Chapter 13 allows you to keep all of your assets by paying back your creditors over a 3-5 year period based on a plan approved and protected by the court. A trustee will oversee your payments by collecting your payments each month and distributing them to your collectors.
Should I File For Chapter 7 Or 13 Bankruptcy? Whether you file for Chapter 7 or Chapter 13 depends on your income and the number of assets you have. You need to be making within or below a certain range of income each year to be eligible for Chapter 7. People interested in filing for Chapter 7 need to pass the means test in order to qualify. Visit us online or call us for more resources about this test.
Filing for Chapter 7 or Chapter 13 bankruptcy takes several months to complete, but you can start living debt free really quickly if you're a good fit.
How Much Does It Cost To for Bankruptcy? Court fees for bankruptcy are $335 to file for Chapter 7 bankruptcy and $310 to file for Chapter 13 bankruptcy. However, this only covers the court's fee to process your case. It does not include your lawyer's fee. After a quick search online, you’ll see that lawyers can charge up to $1,400 to file for Chapter 7, but at Adler Law Firm, we can file for you for as low as $499, depending on the complexity of your case!
Believe it or not, you can also file for Chapter 7 bankruptcy by yourself. We recommend that you only do so in simple cases where the laws are relatively straightforward. However, it will still require quite a bit of research and work to find and effectively file the documentation needed to file successfully without a lawyer. Visit us online to learn more about filing on your own.
Lawyers typically charge much more for Chapter 13 bankruptcy, since these cases are much more complex The court often rejects Chapter 13 cases that are filed without lawyers, since it's more likely that they'll be filed incorrectly.
Through the bankruptcy process, you can finally receive a fresh start and this hard time will become a distant memory!
Visit us today at https://bankruptcy-attorney-detroit.com/ Find us on Facebook at https://www.facebook.com/DetroitBankruptcyAttorney/
Are you looking for an affordable bankruptcy lawyer in Detroit, MI? Visit us at https://bankruptcy-attorney-detroit.com or call us at 248-270-8223.
Adler Law Firm PLLC24300 Southfield Road Suite 210 Southfield, MI 48075(248) 270-8223 https://bankruptcy-attorney-detroit.com https://detroitbankruptcyattorney.business.site
When it comes to financial trouble, choosing a bankruptcy lawyer with the knowledge and experience necessary to make a difference in your future is the first step on a road to positive change.
But that’s only one piece of the puzzle. Since bankruptcy is an option for those strapped for cash, one of the first things on our clients’ minds is how much will bankruptcy cost.
Like any purchase, there is almost always balance between cost and quality. At Adler Law Firm, we do whatever we can to ensure you’re getting as much value as possible.
Additionally, some law firms advertise an artificially low rate to entice people to sign up, while only later revealing various hidden fees. At Adler Law Firm, we pride ourselves on our transparency. We don’t want any of our clients feeling like they’re in the dark.
That’s why we structured a transparent pricing system so that you’re not paying a dime more than necessary, and each additional cost accounts for the additional amount of work and protection your case requires.
What you’ll need to do to file for bankruptcy: Here are the 7 steps you have to take to get rid of money you owe (debts) people (creditors)1. Figure out if filing for bankruptcy makes sense for you. At this point, it’s recommended that you meet with a qualified attorney, a lawyer, to discuss whether filing for bankruptcy makes most sense based on the money you owe, your familial situation, and other factors. Many firms offer free meetings to help you decide whether filing for bankruptcy makes sense for you and whether you should file for Chapter 7 or 13. A good lawyer will give you the best advice for your specific situation, even if it means that you won’t file for bankruptcy. We’ll then give you some forms to fill out and tell you what documents we need from you. Just call us now at 248-270-8223. 2. Fill out and submit forms to the court. You’ll fill out several forms about your debt so the court can learn more about your financial situation. You’ll need to fill out a series of local forms to help the court learn more about your debt and why you’re filing, regardless of whether you file for chapter 13 or 7. You’ll also need to fill out specific forms for chapter 13 and chapter 7 bankruptcy. Once you’ve filed, your debtors cannot bother you while the court processes your case. What happens next depends on whether you’re working with a lawyer or not: If you’re not working with a lawyer, you’ll submit these documents with the filing fee of $335 for a Chapter 7 or $310 or Chapter 13 to Michigan’s bankruptcy court. The court’s address is 211 W Fort St #2100, Detroit, MI 48226. Check out this article to determine whether you can file at this court. You’ll also specify what assets (objects and property) you’ll keep during and after bankruptcy. If you choose to work with a lawyer, you’ll fill out their retainer to work with them. After that, you will fill out forms asking you for information they’ll need to send your file in to the court. Your lawyer will then submit these files to the court on your behalf. 3. You’ll also take a pre-filing creditor course and post filing debtor course where you’ll learn about how to manage debt and money better. You have to take these two courses before getting your debts removed to show the court that you’re working to avoid debt-related financial difficulty in the future. The cost varies between $25 and $35 dollars depending on which organization you take it with. After this, you’ll have to fill out form 23, a certification of completion, showing that you took these courses. 4. During this time, you’ll also have to start unwinding your debt, which simply means giving back the things to the people you owe money you said you will in the documents you submitted. 5. You will then have to attend a meeting of creditors in court approximately a month after you, or you and your lawyer, file for bankruptcy. This sounds formal and scary, but a meeting of creditors is simply where a judge (a trustee) will ask you questions about your situation which you already filled out in the forms. By now, you should know the answers to these questions. The judge may invite some of the people you owe money (your creditors) to come to the meeting as well, but it’s unlikely that will happen. Your lawyer will help you prepare for this meeting, and they’ll likely attend to cheer you on!
6. Congratulations! After 60-70 days, the court will make their decision and issue an order of their decision.
