Cadillac, MI Chapter 7 and Chapter 13 Bankruptcy

Proudly Serving Wexford, Osceola, Missaukee, Manistee, Lake, Kalkaska and Grand Traverse Counties

Eilisia G. Schwarz, PLLC

Do you feel like creditors have you pinned against the wall? If you are flinching every time your phone rings, you need relief fast. With today’s economy, a tragic number of families have found themselves backed into a corner by medical expenses, job loss, or other large expenses.

Claude C. Woods, also formerly an Assistant Prosecutor, is Of Counsel to Eilisia G. Schwarz, PLLC, providing you with his extensive knowledge, experience, and force of personality to pursue your best interests in your bankruptcy case as well.

Escape the spiral of debt with relief under the bankruptcy law and Eilisia G. Schwarz, PLLC.
“We are a debt relief agency. We help people file for bankruptcy relief under the bankruptcy code.”

Filing for Bankruptcy can:
  • Stop harassing phone calls
  • Stop wage garnishments
  • Stop foreclosures
  • Stop repossessions

Don't despair; we'll help you find a way out from underneath your debt. We are here to help you when you are considering bankruptcy. While bankruptcy should never be pursued lightly, but if you’ve done your best to budget, cut expenses, and still can’t escape your downward spiral, we can help.

What is Chapter 7 Bankruptcy?
  • At the end of the Chapter 7 process, you are given a discharge on most debts, meaning that you are no longer obligated to pay back those debts. Certain debts, however, are non-dischargeable, such as student loans, domestic support obligations, and taxes owed.
What Is Chapter 13 Bankruptcy?
  • Some or all of your debts are paid back through a repayment plan of three to five years. Chapter 13 should be used if you own significant non-exempt assets, earn too much income to qualify for Chapter 7, or if you have fallen behind on your mortgage payments.
  • Often referred to as the “wage-earner’s bankruptcy,” Chapter 13 gives you the chance to pay on the debts you owe, just with more realistic payment plan.
  • Perhaps the biggest advantage Chapter 13 has over Chapter 7 is the ability to stay in the house you’ve built into a home. Instead of throwing your children into an emotional upheaval, maintain stability while you work hard to regain control of your finances.

No matter how impossible your financial situation may seem, we can give you options to move you towards financial freedom.

We are available to meet with you at your convenience! We know when times are tough, you need to get the help during what little free time you have left – including evenings or weekends. We are available to meet with you at your convenience including evenings and weekends!

Call Eilisia G. Schwarz, PLLC at 231-942-9064 for your FREE initial consultation today!

Bankruptcy Attorney - Cadillac, MI  - Eilisia G Schwarz, PLLC

Disclaimer: This site and any information contained within is intended for informational purposes only and should not be construed as legal advice. Seek competent legal counsel for advice on any matter before you take any action and thank you for visiting our site. Please contact Eilisia G. Schwarz, PLLC via phone or e-mail if you have any questions.

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