Port Huron Bankruptcy Lawyers

Freedom Law, PC
Port Huron Bankruptcy Lawyers

The experienced bankruptcy attorneys at Freedom Law, PC have the legal expertise to eliminate your debt, stop creditor harassment, save your home, and rebuild your credit.

​​Freedom Law, PC is a local law firm located in Port Huron, Michigan – with additional offices in Eastpointe and Wyandotte – dedicated to Chapter 7 bankruptcy, Chapter 13 bankruptcy, and debt-relief. If you’re looking for a local bankruptcy lawyer, we’re here to help!

We have helped hundreds of clients file for Chapter 7 bankruptcy and Chapter 13 bankruptcy. But we also have a proven track record of successfully negotiating debt settlements outside of bankruptcy.

Whatever your financial problem, we can help you solve it.  Most important, we can help you rebuild your credit – and that’s included in our services, at no extra charge.


Chapter 7 Bankruptcy

A Chapter 7 bankruptcy is a straight liquidation. Chapter 7 bankruptcy is ideal for people in these situations:

  • Your household income is less than the median, or you can pass the means test
  • You have primarily unsecured debt
  • You wish to surrender a home or a vehicle that you can no longer afford
  • You are current with your home or your vehicle, and you wish to keep them but get rid of all of your unsecured debt

When someone files a Chapter 7 bankruptcy, an automatic stay takes effect immediately, and any repossessions, foreclosures, and garnishments will immediately cease.

A bankruptcy attorney can review your income, assets, and debt and help you determine whether a Chapter 7 bankruptcy is right for you.


Chapter 13 Bankruptcy

A Chapter 13 bankruptcy offers flexibility. It is a comprehensive debt reorganization and debt restructuring that results in an affordable monthly payment.

A Chapter 13 bankruptcy requires that you have some source of regular and reliable income, and it’s ideal for people in these situations:

  • You’re behind on your mortgage – the plan will help you get caught up
  • Your second mortgage that is underwater – the second mortgage can be removed entirely!
  • You have unpaid property taxes – the plan will help you get caught up in affordable monthly payments
  • You have unpaid back income taxes – you can pay back the IRS over time at zero interest
  • You’re behind on your car payment – the plan can lower your interest rate and stretch out the loan to lower your payment
  • You have regular income, but you simply cannot meet all of your obligations every month – the plan can help you budget
  • You have assets you want to protect – a Chapter 13 bankruptcy will allow you to keep your assets and pay back your creditors over time.
  • You have certain kinds of debt that are not dischargeable in a Chapter 7 – some kinds of debt, such as civil infraction traffic tickets, are not dischargeable in a Chapter 7 bankruptcy but are dischargeable in a Chapter 13 bankruptcy

In a Chapter 13 bankruptcy, you will still enjoy:

  • Automatic stay from your creditors the entire time you are in your plan
  • Immediate stops to foreclosures, garnishments, and repossessions when your case is filed

A bankruptcy attorney can review your income, assets, and debts and help you determine whether a Chapter 13 bankruptcy might be right for you.


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Freedom Law, PC

Blue Water Business Center
3245 Keewahdin Rd.
Suite 1
Fort Gratiot, Michigan, 48059

One convenient number
Phone, text, or fax:

810-545-7998

Our Wyandotte location

Wyandotte Office

1815 Ford Avenue
Wyandotte, Michigan, 48192

One convenient number
Phone, Text, or Fax:

734-822-6762

Our Eastpointe Location

Eastpointe Office

The Kennedy Building
18121 E 8 Mile Rd.
Eastpointe, MI 48021

One convenient number
Phone, Text, or Fax:

313-887-0807