A Dependable Bankruptcy Attorney

Facing Foreclosure, Wage Garnishment, or Other Hardships?

Robert P. Coutts can help with your situation. There are many options to choose from when deciding how to regain control of your finances.

Each person has their own circumstances, and no one case is ever the same. To find out how you can come out ahead, call the Law Offices of Robert P. Coutts to make an appointment for a consultation. You'll be glad you did!

Looking for a Clean Slate?
Ask About Chapter 7

Chapter 7 bankruptcy is the most common type of personal bankruptcy due to its ability to erase debt completely. If you have some of these debts, Chapter 7 may be right for you.

Personal loans
Medical or utility bills
Promissory notes
Credit card debts
Mortgage or rent payments

Keep Your Property
While Reducing Your Debt

Chapter 13 bankruptcy allows you to combine your debts under a court-mandated repayment plan and keep the property attached to them.

However, you must meet income requirements to pay the debts. This is a great option for Michigan residents who are able to pay a portion but not all the debts.

There are guidelines for qualifying for Chapter 13:

It's necessary that you have proper income for a repayment plan
You cannot have more than $1,010,650 in secured debts
You cannot have more than $336,900 in unsecured debts
You must meet the requirements of the GA Means Test

While you may meet these general qualifications for bankruptcy, only an experienced attorney can help you through the process. Robert P. Coutts has helped many Michigan residents through bankruptcy and back onto the right financial track.

Let Robert P. Coutts help to put your mind at ease, making sure that you achieve the outcome that you're expecting.

Questions about bankruptcy? Browse our FAQs for answers to the most common filing questions.