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Do you have mounting Debt? Have you been sued by a medical provider, a credit card company on a bank loan, or by a former landlord, etc.? Let us help you. The Attorneys of Garmo & Kiste, PLC are experienced Debt Collection Attorneys who now specialize in Debt Collection Defense and Bankruptcy Work. In the past we learned the trade working for Credit Card Companies and Debt Collection Agencies. Yearly we handle hundreds of collections and collections defense cases.

For more information about Bankruptcy Lawyers in Michigan and Bankruptcy Work or to retain Garmo & Kiste, PLC, call us at (248) 398-7100 for a free consultation or contact us with a private message. We are licensed Michigan attorneys, with offices in Troy, MI. We are not a debt relief agency.

Our Familiarity with Collections Industry…

One of the greatest advantages of hiring our firm is the connections we bring to the process. Because of our past employment, typically we know the Plaintiff, their Attorney, the Court, and the Judge. We can quickly assess the facts of your case, in efforts of determining the best course of action and in turn the best possible result for you, our client. We know more loop holes than most attorneys, and we know when it’s time to fight and when it’s time to settle. For this reason, looking for an attorney who practices in the county where you were ticketed is particularly helpful, that said we regularly practice in Oakland, Macomb, Wayne, and Lapeer Counties. What follows is a list of Collections Defense matters our firm has handled recently.

For more information about Bankruptcy Lawyers in Michigan and Bankruptcy Work or to retain Garmo & Kiste, PLC, call us at (248) 398-7100 for a free consultation or contact us with a private message.

BANKRUPTCY:

During your free consultation, we will go over your personal situation and explain how bankruptcy may affect each of your debts, property and assets. We will never recommend bankruptcy unless we believe you need it. Unfortunately with the economic recession, mounting obligations, and dramatic home devaluation, debt has become a major anchor around the neck of Americans both in Michigan and nationwide. As a consequence, bankruptcy has become a high volume industry in which many attorneys push unnecessary bankruptcies on consumers to turn quick profits for themselves. At Garmo & Kiste, PLC our aim has always been to provide the very best counsel to our clients and to be as objective as possible about your options, not to turn quick profits.

For more information about Debt Collection Defense and Bankruptcy Work or to retain Garmo & Kiste, PLC, call us at (248) 398-7100 for a free consultation. Payment plans are available, and as always you are under no obligation to retain our services and our advice during the consultation is free.

What is a Chapter 7 Bankruptcy?

Chapter 7 is the most common form of bankruptcy in the United States. Chapter 7 bankruptcy is sometimes called “liquidation” bankruptcy it cancels your debts, but you might have to let the bankruptcy court liquidate sell some of your property for the benefit of your creditors. If you are being crippled by high credit card debt or medical bills, Chapter 7 may be a way for you to discharge those debts, once complete you will receive a Bankruptcy Discharge and your obligation to the discharged debts will be over. The whole Chapter 7 bankruptcy process takes about four to six months, and commonly requires at least one trip to the courthouse.

For more information about Debt Collection Defense and Bankruptcy Work or to retain Garmo & Kiste, PLC, call us at (248) 398-7100 for a free consultation.

What is a Chapter 13 Bankruptcy?

Chapter 13 bankruptcy, often called “reorganization” or “consolidation” bankruptcy is very different from Chapter 7 bankruptcy, which wipes out most of your debts. When your income is determined to be too high for a Chapter 7, but you are facing foreclosure on your home, auto repossessions or tax debts, Chapter 13 can help give you some breathing room. In a Chapter 13 bankruptcy you use your income to pay some or all of what you owe to your creditors over time. 99% of all debtors who file Chapter 13 keep their assets, however not everyone qualifies for Chapter 13, and some debtors would be better off filing for Chapter 7.

For more information about Bankruptcy Lawyers in Michigan and Bankruptcy Work or to retain Garmo & Kiste, PLC, call us at (248) 398-7100 for a free consultation or contact us with a private message.