Roseville Michigan Bankruptcy Lawyer
William Huebner
When I started William L. Huebner, P.C., I wanted to offer something larger more expensive firms could not provide. At large firms, clients are sometimes rushed through the bankruptcy process, with paralegals and secretaries completing bankruptcy documents and different attorneys handling different parts of the process. As a sole practitioner and as an experienced Roseville Michigan Bankruptcy lawyer, I handle every aspect of your case, and can be reached 24/7 to discuss any concerns you might have, evening and Saturday appointments available.
Contact my office today if you need help with any of the following matters:
- Chapter 7 Bankruptcy
- Chapter 13 Bankruptcy
- Debt Consolidation
- Foreclosure
- Court Protection
With the passage of the new bankruptcy act in 2005, the filing of bankruptcies has become more difficult and time consuming. In order to address your debts and concerns you need the help of me, a consumer bankruptcy professional, who handles nothing but personal bankruptcies. I can help stop foreclosures, garnishments and harassing phone calls, letters and emails from creditors. I help people get a fresh start, and I can help you, too. I will help you with the process of completing the bankruptcy certification classes each debtor is required to take.
I have represented more than individual debtors. For the last 11 years, I have also represented Chapter 7 Bankruptcy Trustees (who will review your case once filed). While working for trustees as well as clients being strongly questioned by trustees, I know how to avoid many of the pitfalls associated with filing a bankruptcy. Hiring me is similar to hiring a tax accountant who previously worked for the IRS. I know how the system works.
I do all the work associated with your case: I start with the free initial consultation, am available 24/7 to answer your questions and concerns, prepare all of the electronically generated bankruptcy documents, and I will represent you at your court date(s). You will not have to talk or work with a secretary or paralegal, but will meet with me directly on all aspects of your case.
My rates are very competitive as I have low overhead and I quote rates based on the difficulty of the case. It is extremely inexpensive to hire an attorney to file a bankruptcy when compared with the prospect of paying all of your debts, such as credit cards and medical bills.
I am geographically easy to drive to. I am located at the intersection of Rt. 696 and Gratiot Avenue, on the west side of Gratiot just before the National Coney Island in the Ferlito Construction building in Roseville, MI. I offer weekend and evening appointments and can usually see you on the day you call.
If you or someone you know needs the assistance of an experienced Roseville Michigan Bankruptcy lawyer, call William Huebner today at 866-637-1083, or use the contact form provided on this site to schedule a free consultation.
We are a Debt Relief Agency helping people file bankruptcy relief under the Bankruptcy Code. Let me help you decide if filing for bankruptcy makes sense for you and your family.
Practice Areas and Legal Definitions
Bankruptcy Laws:
Bankruptcy is a federal court process designed to help individuals and businesses eliminate their debts or repay them under the protection of the bankruptcy court. Bankruptcies can generally be described as liquidation or reorganization. Under a liquidation bankruptcy (Chapter 7), a claimant files to eliminate debt through the bankruptcy court. Under a reorganization bankruptcy (Chapter 13), a claimant files a plan with the bankruptcy court proposing how to repay creditors.
In 2005, the requirements under which a debtor could file Chapter 7 bankruptcy changed with the passage of the Bankruptcy Abuse Prevention and Consumer Protection Act. Debtors are now required to seek budget and credit counseling within six months of filing, financial “testing” is required to determine the debtor’s capacity for debt repayment, Chapter 7 cannot be filed if the household income is greater than the median household income as deemed by the state, and state exemptions cannot be applied unless the debtor has resided at current residence for over two years.
Due to the imposed requirements for Chapter 7 bankruptcy as set forth by the new laws, debtors who were eligible to file under Chapter 7 now have to file under Chapter 13 bankruptcy instead, in which individuals and creditors agree to a court-imposed plan that requires some or all debts be repaid over five years, with an appointed trustee assigned to monitor the repayment process. Bankruptcy filings will continue to be recorded on an individual’s credit report for seven years in the case of Chapter 13, and up to ten years for Chapter 7.
Chapter 7:
Chapter 7 cases are commonly referred to as straight bankruptcy or liquidation cases, and may be filed by an individual, corporation, or a partnership. A Chapter 7 bankruptcy case does not involve the filing of a plan of repayment as in Chapter 13. Instead, the bankruptcy trustee gathers and sells the debtor's nonexempt assets and uses the proceeds of such assets to pay holders of claims (creditors) in accordance with the provisions of the Bankruptcy Code. Part of the debtor's property may be subject to liens and mortgages that pledge the property to other creditors. In addition, the Bankruptcy Code will allow the debtor to keep certain "exempt" property; but a trustee will liquidate the debtor's remaining assets. Accordingly, potential debtors should realize that the filing of a petition under Chapter 7 may result in the loss of property.
Chapter 13:
A Chapter 13 bankruptcy is also called a wage earner's plan. It enables individuals with regular income to develop a plan to repay all or part of their debts. Under this chapter, debtors propose a repayment plan to make installments to creditors over three to five years. Chapter 13 permits individuals to keep their property by repaying creditors out of their future income. It is not available to corporations or partnerships. After completion of payments under the plan, Chapter 13 debtors receive a discharge of most debts.
Foreclosure:
Foreclosure is the legal proceeding in which a bank or other secured creditor sells or repossesses a parcel of real property (immovable property) due to the owner's failure to comply with an agreement between the lender and borrower called a "mortgage" or "deed of trust". Commonly, the violation of the mortgage is a default in payment of a promissory note, secured by a lien on the property. When the process is complete, it is typically said that "the lender has foreclosed its mortgage or lien".
A Foreclosure by Sale ends in the posting of a sign advertising the auction of your home on the sale date. The only ways to stop a foreclosure are full payment of the arrearage, or the filing of a Chapter 13 bankruptcy. Full Payment: If you are able to obtain and tender the full amount of your arrearage, including fees and costs, you can stop the foreclosure of a standard residential mortgage. Most people lack the money to make full payment. This process stops the foreclosure and allows you to repay your arrearage over a three-to-five year period. The arrearage is paid through a court-appointed official, while you resume your regular monthly payments to the bank in order to keep your home. A Chapter 13 can be filed at any time prior to the law day or sale date, and it is often the only avenue to save your home.
Debt Consolidation:
Contrary to popular belief, debt consolidation is not a loan. Debt consolidation is a process in which debt is restructured into one low monthly payment. It further enables a consumer to reduce the amount owed and thereby eliminate interest. Very often a consumer can detect warning signs of being in too much debt long before any collection notices are received. If more than two of the following signs apply to you, you are probably in too much debt:
- You have begun charging to your credit card essential expenses like food and daily expenditures
- You are making only the minimum payments on your credit cards each month
- You are near the limit of your credit cards
- You have too many credit cards
- You are unsure how much money you owe creditors
If you or someone you know needs the assistance of an experienced Roseville Michigan Bankruptcy lawyer, call William Huebner today at 866-637-1083, or use the contact form provided on this site to schedule a free consultation.
ADDRESS OF THE FIRM:
William L. Huebner, P.C.
27085 Gratiot Avenue, Suite 108
Roseville, MI 48066
Phone: 866-637-1083
Hours: M-F, 8:00AM-5:00PM
Services provided after-hours and Saturdays
MEMBERS OF THE FIRM:
Attorney William L. Huebner
- Jurisdictions Attorney is Licensed in: Michigan
- Date Admitted to the Bar: 1998
- Colleges Attended, Degree & Year Graduated: State University of New York with Honors, BS, 1978; Pennsylvania State University with Honors, MBA, 1981; Wayne State University with Honors, JD, 1997
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