Get Informed with Ardelean & Dunne, PLLC

Michigan Bankruptcy Law Firm — Wed, 01 Sep 2010 15:34:51 +0000

We were very satisfied with Ardelean & Dunne for helping us with our filing of the Chapter 13 bankruptcy. They are very knowledgeable in every single thing. They made it very easy for us to file. They kept us well informed on everything going on in our case.

– J. & W. (Holly)

I Have Never Felt Stress That Great Before

Michigan Bankruptcy Law Firm — Sat, 28 Aug 2010 17:16:53 +0000

I have never felt stress that great before. It seemed like it was not going to get better. I tried several ways to control my debt. Setting up payment arrangements and talking to creditors that just seemed like they didn’t care. Then all of a sudden when things couldn’t get worse I lost my job.

I knew then that I needed to get rid of my debt. There was just no way I could control my financial situation any longer. I went and hired this one attorney (I will not mention any names) but it was a total disaster. Not to mention that she took my money but I never went to court and they lost all of my paper work. By this time I had a garnishment granted against me and two other judgments pending.

I knew that I couldn’t wait, so I happened to just be looking online and noticed the law offices of Ardelean & Dunne, PLLC. I decided to give them a try. Their location was close and their website made it very easy for me to understand the Bankruptcy process. Once I made my appointment and had my first visit I was very impressed.

The attorneys made me feel welcomed and made me feel like I should not be embarrassed about my financial situation and that I needed to do something about it. The fee was reasonable and they also let me have a payment plan. Once I was done paying my case was immediately filed. The creditors harassing phone calls stopped and so did my garnishment.

Not only did I go to court within a month, I received all of my garnishment money back. I am just waiting on my discharge papers. I would advise anyone to go to Ardelean & Dunne, PLLC.

– Mikaela (Detroit)

Ardelean & Dunne, PLLC Instills Confidence in Its Clients

Michigan Bankruptcy Law Firm — Thu, 26 Aug 2010 17:43:31 +0000

At first I was very nervous, but Ardelean & Dunne, PLLC made me feel at ease and confident that everything will work out just fine. If I had to go through this again, I would call Ardelean & Dunne in a heartbeat!

– Karen (Detroit)

Why Hire A Michigan Bankruptcy Lawyer?

Michigan Bankruptcy Law Firm — Tue, 24 Aug 2010 16:25:44 +0000

In the United States, the bankruptcy process can be filled with complicated twists and turns. While you can technically file for bankruptcy on your own, in the overwhelming number of situations, this is a really bad idea.

There are several filing requirements that, if not met, could jeopardize your ability to obtain bankruptcy protection. These requirements include forms being processed and the meeting of various deadlines throughout the bankruptcy proceeding.

Typically, the most important reason to hire a bankruptcy lawyer is to make sure that you are selecting the correct bankruptcy option for your situation. The Code provides various chapters under which to file. Your bankruptcy lawyer can guide you into the most appropriate chapter for your situation.

Ardelean & Dunne Works Quickly

Michigan Bankruptcy Law Firm — Thu, 19 Aug 2010 18:42:20 +0000

I was very satisfied with Ardelean & Dunne, PLLC’s services. They took care of everything extremely quickly – and when they said they would.

The lawyers were easy to deal with and very respectful. They made a hard time easy on me.

If anyone has to choose a bankruptcy lawyer, I will recommend them to contact you.

– Valerie (Detroit)

Ardelean & Dunne – Professional & Understanding.

Michigan Bankruptcy Law Firm — Thu, 12 Aug 2010 21:26:21 +0000

This law firm was very professional and understanding. It was very helpful and friendly, too!

– Michelle (Hazel Park)

United States Bankruptcy Court Eastern District Of Michigan 2010 Statistics

Michigan Bankruptcy Law Firm — Wed, 11 Aug 2010 15:12:20 +0000

The US Bankruptcy Court for the Eastern District of Michigan lists the court’s filing statistics over the last several years.

So far, in 2010 the numbers look like this:

	Chapter 7	Chapter 11	Chapter 12	Chapter 13	Totals
January	2912	16	0	622	3550
February	3824	17	3	638	4482
March	5153	12	0	844	6009
April
May
June
July
August
September
October
November
December

Total Year	11889	45	3	2104	14041

As you can see, bankruptcy filings in the Eastern District of Michigan have continued to rise at least for the first three months of the year.

While there is much talk of recovery and economic improvement, these statistics don’t support those conclusions.

Filing bankruptcy is a difficult decision that each individual or business must make for themselves. However, they don’t need to make it alone.

When you’re facing serious debt issues, like so many other Michigan residents, your best option is to discuss your situation with a local Michigan bankruptcy attorney.

What Property Can I Keep If I File For Bankruptcy In Michigan?

Michigan Bankruptcy Law Firm — Tue, 03 Aug 2010 20:50:23 +0000

Generally speaking, Michigan debtors may select from one of two exemption schemes. Please be aware that amounts and exempted items are constantly changing and may not be the same in the future. You should refer to a Michigan bankruptcy lawyer or official Michigan state bankruptcy website for updated information.

Exemptions Under The First Option Debtors Generally Able To Keep:

Your home, including co-op or mobile home, to $20,200
Life insurance payments for person you depended on, needed for support
Life insurance policy with loan value, in accrued dividends or interest to $10,775
Unmatured life insurance contract, except credit insurance policy
Alimony, child support needed for support
Pensions and retirement benefits, ERISA – qualified benefits needed for support
$550 per item in any household goods up to a total of $10,775
Health aids
Jewelry to $1,350
Lost earnings payments
Your motor vehicle to $3,225
Personal injury compensation payments to $20,200, wrongful death payments, crime victims’ compensation, public assistance, Social Security, unemployment compensation, and veterans’ benefits
Tools of trade up to $20,200

Under Michigan Exemption Option 2 Debtors Are Usually Able To Keep:

Your home, if you do not have more than $34,450 ($51,650 if elderly or disabled) in equity in the house (today’s value less costs of sale less payoff balances on all liens and mortgages)
Family pictures and clothing
Food and fuel to last six months
Household goods, furniture, appliances, utensils, books, up to $3,450 total (maximum $525 per item)
Burial plots; church pew, slip, seat
Crops, farm animals and feed for the farm animals to $2,300
Food and fuel to last family for six months
Arms and accouterments you’re required by law to keep
Tools of trade and farm equipment, up to $2,300 in value
Building and loan shares to $1,150 par value if you did not claim a homestead exemption
Disability, mutual life and/or health benefits; fraternal benefit society benefits; and life, endowment or annuity proceeds if a clause in the policy prohibits the proceeds from being used to pay the beneficiary’s creditors
Private retirement benefits
ERISA-qualified pension benefits
Public employees’ pensions
Property of a business partnership
Alimony and child support
Crime victim’s compensation, veterans’, AFDC, social welfare, worker’s compensation and unemployment compensation benefits
60% of earned but unpaid wages (not less than $15 per week, plus $2 per week for each dependent) if you are a head of household with a family; 40% of earned but unpaid wages (not less than $10 per week) if you are not a head of household with a family

Please remember that these items and amounts are subject to change and may not be accurate at the time you read this post. To find out what the current exemptions and amounts are, please contact a Michigan bankruptcy law firm or an official Michigan state bankruptcy website.

American Bankruptcy Institute’s Annual Detroit Consumer Conference

Michigan Bankruptcy Law Firm — Tue, 27 Jul 2010 19:01:56 +0000

ABI’s Sixth Annual Detroit Consumer Conference is designed especially for Michigan consumer bankruptcy legal professionals. The program deals with subjects that consumer practitioners need:

The latest from the Supreme Court and the lower courts; what’s left of good faith in bankruptcy, as well as an extensive series of breakout sessions on exemptions, lien stripping, tax issues, means testing, asset cases, claims against creditors, objections to claims, legal writing and oral argument, and mortgage modification news.

Michigan Bankruptcy Courts Say No Ads In Pleadings

Michigan Bankruptcy Law Firm — Wed, 21 Jul 2010 16:22:08 +0000

Attention Michigan bankruptcy attorneys. A new notice has been posted to the Michigan bankruptcy court’s website regarding advertisements and electronic bankruptcy filings. Some papers containing advertisements or links to advertisements have been filed in cases by means of the Court’s ECF system. Papers filed in the Court’s ECF system containing advertisements or links to advertisements in any
form shall be stricken without further notice.

If you use the Court’s ECF system, you will want to check any filing software that you may use to make sure that it doesn’t contain ads or links to ads.