810-245-2042 Lapeer Office

A Time To Recover

Bankruptcy can give you a fresh financial start and upon filing immediately stop foreclosure; stop wage garnishment; stop collection harassment and stop repossession of your automobile or other property.

Is It Right For You?

However, bankruptcy may not be able to solve every financial problem that you have, and it may not be right for you. Bankruptcy, as a solution to your financial problems, should only be considered once you fully understand the consequences and the other options for your situation. You also should understand that there are different types of bankruptcy solutions.

Our job is to help you understand your rights and obligations and create the best possible financial outcome for your future. If you believe that filing for bankruptcy is the best solution for your financial problems, please call us to schedule an appointment for a free consultation.

Understanding Chapter 7 and Chapter 13

There are two types of bankruptcy available to individuals: Chapter 7 (straight bankruptcy) and Chapter 13 (debt consolidation). We can help you understand which type of bankruptcy is best suited to your situation. In any event, as soon as your case is filed, creditors are prohibited from contacting you either at home or work.

We're On Your Side

Please contact Raymond N. Mashni, Attorney at Law for a free initial consultation. Experienced representation is just a phone call away.

  Bankruptcy Law




Most people who are forced to file bankruptcy intend to pay their debts but are unable to do so because of unforeseeable events such as job loss, medical bills or divorce. We understand how difficult these circumstances can be so we treat every client with dignity and compassion as we represent you through the bankruptcy process.

Raymond N. Mashni

Chapter 7 

Chapter 7 bankruptcy gives you a fresh start by getting rid of certain kinds of debt and in most situations you can keep your home along with other exempt assets. In most cases, bankruptcy filing (Chapter 7) can eliminate debt from:

  • Credit cards
  • Medical bills
  • Old automobile repossessions
  • Most court judgments
  • Certain IRS debts
  • Signature loans

The filing of a Chapter 7 bankruptcy will also bring an immediate stop to:

  • Lawsuits
  • Creditor Harassment
  • Wage Garnishment
  • Foreclosure

Chapter 13

A Chapter 13 bankruptcy may allow for the following:

  • Immediately stop foreclosure
  • Immediately stop wage garnishments
  • Restructure some automobile loans
  • Elimination of second mortgages
  • Catch up on mortgage payments
  • Immediately stop automobile repossessions
  • Repay other debts at a fraction of their balance