Our Lawyers Will Guide You Through Bankruptcy
When you contact the Law Offices of Lawrence Lucido & Erica Cicchelli to discuss a possible consumer bankruptcy, we will greet you with compassion and understanding. We respect the fact that you are considering a personal and business decision that is critical to your future — and we will get to work for you.
An In-Depth Consultation Starts the Process
What are your greatest current challenges? What type of relief will make it possible for you to move forward in your life? Questions like these must be addressed at the outset of the bankruptcy process, so you can make an informed choice. If you decide to file Chapter 7 or Chapter 13 bankruptcy, we can typically get started for a nominal down payment.
Key Bankruptcy Steps and Requirements
Certain legal steps are required for both a Chapter 7 and a Chapter 13 filing, although there are significant differences that we can readily explain. Here is a basic outline of what to expect:
- As soon as you retain us, we will start taking all calls from your creditors. This way, you can gain some immediate stress relief and start thinking more clearly about the future.
- We can often start working on your bankruptcy petition, but completing the petition will require you to gather key documents relevant to your assets and debts.
- Once we have all the information required and you can pay the court filing fee, along with attorney's fees according to the terms we have worked out together, you can proceed with required steps such as completing relatively simple debtor education and credit counseling.
- We will file your case with the bankruptcy court in Detroit. At this point, an automatic stay goes into effect which prevents creditors from calling or taking action against you.
- You will receive notice of a meeting of your creditors — typically to be held within 45 days of your filing. Your bankruptcy attorney, Mr. Lucido or Ms. Cicchelli, will appear with you.
- After another 60-90 days, during which creditors can — but typically do not — file objections in your case, you will receive either a discharge of your debts or approval of your Chapter 13 plan.
We have helped hundreds of people throughout Southeast Michigan — in the Detroit area, near Southfield and elsewhere — file bankruptcy and move forward in life. If you have questions about your ability to obtain debt relief, or about the bankruptcy process, please contact our law offices today.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
