BANKRUPTCY
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Chapter 7 Bankruptcy:
Sometimes called debt liquidation, Chapter 7
bankruptcy can provide complete discharge
of most unsecured debts.

Examples of unsecured debt include:

* Credit Cards
* Medical Bills
* Department/Store Cards
* Unsecured Personal Loans
* Health Club Memberships
* Magazine/ Club Fees
* Cell phone Bills
* Signature Loans
* Collection Agencies
* Credit Lines

Your debt can be wiped away to give you a
fresh start and chance to rebuild. It will also
stop or prevent judgments and
garnishments
.
Chapter 7 Bankruptcy gives you the chance
to recover financial stability.

~~~~~~~~       ~~~~~~~~

Every situation is different. You can call
us for a free phone consultation at
(248) 544-6890
to speak with an attorney regarding your
situation.
Do you Qualify?
One of the biggest questions
people have is whether they
even qualify for a Chapter 7
Bankruptcy.

Income: In Michigan a single
person with no dependents
can make around
$42,000/year and still qualify
for a Chapter 7.

Click HERE to see a
breakdown of median
income by state.

If you are above the median
income then we will have to
compare your income and
expenses to a means test to
see if you qualify.

The bigger your family the
more income you can make
and still qualify.

You should also note that
any household income will
be calculated into your
means test.
Have Assets?
Most assets are safe in
a Chapter 7.

Home: You can keep a
primary home that has
about $20,000 equity.
For example: In today's
market, most homes
are underwater.
Meaning, that you owe
more then it is worth. If
this is the case your
equity would be zero
and you could keep
your home.

Vehicle: You are
allowed to keep one
vehicle up to
approximately $3,500
equity.

Other assets like
clothing, bank
accounts, and 401k's
have their own
exemptions.
If you have assets
valued over the
allowed amount you
do have options!
Copyright 2010 Lawrence J. Lucido, attorney at law. All rights reserved.
Law Office of Lawrence J. Lucido | 22655 S. Chrysler Dr. | Hazel Park, MI 48030 |  Phone: (248) 544-6890 | Fax (248) 544-6891


Disclaimer: This web site is designed for general information only. The information presented at this site should not be construed to be
formal legal advice nor the formation of a lawyer/client relationship.
South Oakland Professional Building
Phone: (248) 544-6890 // Fax: (248) 544-6891
22655 S. Chrysler Dr.
Hazel Park, MI 48030
LUCIDO LAW FIRM