Law Offices of Robert P. Coutts

No. When you file for bankruptcy, your property passes to the court-appointed trustee on paper. This trustee applies exemptions and disposes of the non-exempt property. The trustee then uses that money to pay off as many of your bills as possible. You are allowed to keep certain property that is considered exempt under the law. If you own a home and live in it, you may keep up to $22,975 in equity in the home You may keep up to $3,675 equity in one motor vehicle You may keep up to $12,250 worth of household furnishings, household goods, clothing, appliances, etc. You may keep up to $1,550 worth of jewelry You may keep up to $2,300 worth of books or tools that you need to retain to earn a living You may keep up to $12,500 of paid life insurance policies You may keep health aids prescribed by a doctor You may keep up to $22,975 of a personal injury claim You may also keep certain types of pensions

On the day your bankruptcy petition is filed with the court, federal law requires all garnishments to cease once the creditor has been notified. Any garnishment after that date will cause the garnishing creditor to be in contempt of court.

Hiring a knowledgeable Chapter 7 bankruptcy attorney improves your chances of successfully discharging your debts and getting a fresh financial start, especially given the strict legislation ensuring only those in real need qualify.

You need to complete the GA Means Test, which evaluates your income and expenses to determine if you fall below Michigan's median income to qualify for Chapter 7 bankruptcy.

Not necessarily. While your property is under court trustee control during bankruptcy, you can keep exempt property such as up to $22,975 in home equity, $3,675 in one vehicle, and various personal items according to exemption limits.

Yes. Once your bankruptcy petition is filed and creditors are notified, federal law requires all wage garnishments to cease immediately; any continuing garnishment is contempt of court.

The firm specializes in bankruptcy law, family law, criminal law including drunk driving and criminal sexual conduct charges, and cases involving seized assets in Allen Park, MI.

The office is open Monday through Friday from 9:00 AM to 5:00 PM and accepts phone calls after hours.

Payment can be made via American Express, Cash, Check, Discover, MasterCard, and Visa.

You can call the main phone number at +1 313-203-8149 or the alternate phone at +1 313-381-1440. More information is on their website https://www.attorneyrobertcoutts.com/ and Facebook page.

Nearby medical facilities include Downriver Internists PC, Allen Park Family Physicians, Metro Infectious Disease Consultants, and Metro Infusion Center, which might be useful if clients need healthcare services before or after legal appointments.

Yes, Allen Park Junior High School is nearby, potentially helpful for clients with family law interests, and community services like Purple Change Wellness provide counseling and mental health support close to the office.

Nearby businesses such as Encore Real Estate and Property Management, Union Home Mortgage, and Downriver Mortgage can support clients' real estate and mortgage needs in conjunction with legal advice.