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What Is Income for Bankruptcy Means Test Purposes?

All Earnings Other than Social Security Income or Disability Benefit—in Michigan Most Recent 6 Months: The Means Test "Look-Back" Period The "means test" is the mathematical formula used in bankruptcy to determine your eligibility for...

Can I Discharge Payday Loans in Bankruptcy?

Payday Lending: Usury at its Worst [caption id="attachment_2346" align="aligncenter" width="300"] Image by Swanksalot, courtesy of Wikimedia Commons[/caption] Payday lending represents the worst of the worst when it comes to consumer lending. The...

Changes to Michigan's Foreclosure Redemption Period

Kiss Your Privacy Goodbye   Michigan's Foreclosure Redemption Period: New Duty to Allow Inspections It used to be the case under Michigan law that you were entitled to a 6-month "redemption period" following a foreclosure sheriff's sale,...

Should I Try Credit Repair Before Bankruptcy?

No One Can "Clean" Legitimately Bad Credit for You! Glancing at many office building windows or hand-written signs at highway exit ramps will reveal a multitude of companies or people claiming to be able to "fix" your bad credit for you. Can...
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I cannot say enough about how well we were treated by John. He was very knowledgeable about the entire process and kept us informed throughout; there were no surprises... I would recommend John to anyone, knowing he would do as good a job for them as he did for us. David
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