Ardelean & Dunne Helps Client’s Pay Creditors On Their Terms
Type: Chapter 13 Reorganization
Payment Terms: $400 per month for 36 months
Facts: Client was paying credit cards at $800 per month. It would have taken 10 years to pay off all debt at the rate client was paying. In Chapter 13 bankruptcy, client paid only $400 per month, repaying 25% of total debt, and all amounts not paid off after 3 years were eliminated! Plus, client’s creditors paid our fees in the bankruptcy!
Lesson: We are experienced at using federal law to stop high interest rates and late fees to allow you relief. Call us today to learn more. You do NOT need to scrape by paying creditors slowly. We can get you out of debt quickly and effectively.
Ardelean & Dunne, PLLC Stops Garnishment and Forces Creditor to Pay Client
Type: Chapter 7 Reorganization
Facts: Client had her wages garnished by credit card company. She could not afford to live on the garnished check and needed immediate relief from her creditor. Client hired Ardelean & Dunne and we were able to file bankruptcy to provide immediate relief and stop the garnishment. We also forced the creditor to pay our client the garnishment amounts!!
Lesson: We are experienced bankruptcy attorneys that work quickly and efficiently to stop your creditors immediately. Don’t struggle through life. Call us now to get free advice on how we can stop your creditors from garnishing your wages and bank account. Life doesn’t need to be a struggle. Get relief now!
Ardelean & Dunne, PLLC Saves Family Home
Type: Chapter 13 Reorganization
Payment Terms: $1700 per month for 60 months
Facts: Client fell behind on his mortgage due to loss of income. When his job returned to normal hours we were able to file a Chapter 13 to repay his mortgage arrears just days before his house was to be foreclosed on. We saved the family’s home!
Lesson: We can stop foreclosures and repossessions using federal law. If you have a foreclosure or repossession pending, give us a call. We have proven results and will work for you!
I Felt That I Was In Very Good Hands With Ardelean & Dunne, PLLC
Both Mr. Ardelean and Mr. Dunne were well informed and made every effort to walk me through a procedure I was totally unfamiliar with. I felt that I was in very good hands.
I would recommend them to friends and family.
– Deborah (Rochester)
1. Experience and Results
Our attorneys are experienced bankruptcy attorneys with commendable records in getting debtors relief from creditors.
Our confirmation rate for Chapter 13 filings is well above the district average because of our experience, skilled lawyering, and diligence.
Our Chapter 7 success rate is 100% for our clients that actually follow through the process and appear at court.
We ALWAYS inform you of any risks ahead of time and let you make a decision based on the information we provide. And our attorneys focus solely on bankruptcy law. We are bankruptcy attorneys through and through. Many firms now are criminal or estate planning based, but dabble in bankruptcy to make a few extra dollars. Choose wisely a firm that understands all the nuances and intricacies of bankruptcy.
If it were easy enough for just any attorney to jump into, you would probably be able to do the bankruptcy yourself. Remember, attorneys are normal people who have studied the law. We are not gifted with natural understanding of the law (there are far too many laws for any one person to know them all). Our real talent as attorneys lies in our experience. We at Ardelean & Dunne, PLLC have that experience to get you relief under the bankruptcy code.
2. Attorney Access and Availability
We have multiple, experienced bankruptcy attorneys and provide you with access to calling the attorneys for advice. All attorneys in our firm are expected to handle every case. So, we can provide you with answers much sooner than other firms.
You will not have to wait days or weeks to hear back from us. We give answers right away.
3. Speed of Legal Services
Because our attorneys are expected to work on every case we take on, we have great results in turning around cases very quickly and getting them filed. While it is true that we need you to provide certain documents to us before filing, once these are provided, along with agreed upon fees and/or fronted court costs, we can have your case filed within a matter of a day or two. We get cases filed quickly to better serve you.
4. Real Attorneys
Our attorneys are real attorneys, licensed by the State of Michigan.
Many bankruptcy filers will be offered the option of going to non-attorneys for cheap rates. These petition preparers are not licensed by any legal body. They cannot give you legal advice. All they are legally allowed to do is type what you tell them to type on your petition. The United States Department of Justice has recently had to crack down on many of these “preparers” for taking advantage of bankruptcy filers. The DOJ keeps a running list of these “banned” or “flagged” petition preparers and stresses that filers not use their services.
Likewise, many attorneys now flooding Michigan’s bankruptcy market are not licensed in Michigan. The bankruptcy court has granted them access to case filing because they are licensed attorneys in some state. Our attorneys ARE licensed in Michigan and we strongly encourage you to find Michigan licensed attorneys. Legal issues surrounding bankruptcy often flow into Michigan law and you need someone who knows and understand our State’s laws to protect your property and rights.
5. Ethical Case Retention
If bankruptcy is not your best option we will tell you upfront. We do not take money from people we knowingly cannot help. We offer free consultations. If we feel that we cannot help you based off of the information provided, we will tell you so.
Many attorneys will file these cases to get fees. We do not do this. We are not desperate. If you come in and we cannot help you, we will do what we can to help, and give you as much information as we can. We do not see you as a walking dollar sign. We see you as an individual in need of relief. And if you are pleased with our service, whether you retain us or not, we would appreciate you passing word along to others in need of relief.
6. Transparency and Information
In your free consultation, we will advise you on how we can help you and disclose any possible risks with you filing bankruptcy. Again, we are fully licensed Michigan attorneys, trained to spot issues in Michigan and Federal law. We will tell you what we can and cannot do. After you hire us, we make sure to give you a detailed outline of the process from that date on. If you have questions about bankruptcy or dealing with your creditors, we are available to advise you from there.