Debt doesn't just affect your bank account. It affects your sleep, your relationships, and your ability to plan for the future. If you've been struggling to keep up, you're not alone, and there are real solutions.
Sometimes that means filing for bankruptcy. Sometimes it means debt relief or reorganization. The important thing is this: you have options, and understanding them is the first step toward getting your life back.
At Hettinger & Robinson PLC, our debt and bankruptcy lawyer in Kalamazoo takes the time to understand your specific situation. We review your finances, explain your options in plain language, and help you make the decision that's right for you and your family. Call us at (269) 344-0700 to schedule a consultation.
Understanding Bankruptcy in Michigan
Bankruptcy gives individuals and businesses a legal framework to address overwhelming debt. It offers a fresh start by allowing you to eliminate or restructure what you owe under court supervision. But filing for bankruptcy isn't simple. It's a detailed process with strict deadlines, required documentation, and specific legal procedures. Creditors have the right to challenge your filing, which can complicate things further. We know the process inside and out, including both your rights and your creditors' rights.
We represent consumers and businesses in:
- Chapter 7
- Chapter 11
- Chapter 12
- Chapter 13
- Debt restructuring
- Bankruptcy litigation
Our services include:
- Reviewing and analyzing your financial situation
- Advising you on your best options
- Preparing and filing your bankruptcy paperwork
- Representing you at hearings
Types of Bankruptcy
Chapter 7 (Liquidation)
Non-exempt assets are sold to repay creditors, and most remaining debts are discharged. Available to individuals and businesses.
Chapter 13 (Reorganization)
You keep your assets and repay debts through a three-to-five-year payment plan. Often preferred by individuals and sole proprietors who have steady income.
Chapter 11 (Business Reorganization)
Designed primarily for businesses. Allows restructuring debts while continuing to operate under a court-approved plan.
Chapter 12 (Family Farmers and Fishermen)
Specifically tailored for agricultural businesses facing financial distress.
Chapter 20
Not a separate type. Refers to completing a Chapter 7 then filing Chapter 13.
Signs an Individual Should Consider Bankruptcy
- Overwhelming debt from credit cards, medical bills, or personal loans
- Wage garnishments or collection actions
- Foreclosure or repossession threats (bankruptcy can trigger automatic stay)
- Can't cover basic living expenses
Signs a Business Should Consider Bankruptcy
- Cash flow problems (can't meet payroll, pay vendors, or cover operating costs)
- Mounting debt and creditor claims
- Declining revenue
- Lawsuits and legal actions from multiple creditors
Alternatives to Bankruptcy
- Debt negotiation or settlement
- Debt consolidation
- Credit counseling
- Asset liquidation
Why Choose Our Debt and Bankruptcy Lawyer
- Navigate complex procedures
- Determine the right approach
- Protect your rights and assets
- Negotiate with creditors
- Represent you in court