Clinton Bankruptcy Resources | Legal Help & Factual Resources
Helpful Information for Bankruptcy Filings in
Clinton — Lenawee County — Michigan
View the Bankruptcy Rules
View the Bankruptcy Code
View the Federal Rules of Evidence
PACER (Public Access to Court Electronic Records)
If you have previously filed a bankruptcy case in the State of Michigan or any other state, you can search PACER to obtain information about your case and download copies of the documents. There might also be other court documents pertinent to your bankruptcy filing that you will be able to locate on PACER.
Anyone can set up a PACER account. There are charges for files accessed and downloaded. www.pacer.gov
U.S. Bankruptcy Courts:
www.uscourts.gov/bankruptcycourts.html
www.uscourts.gov/FederalCourts/Bankruptcy.aspx
Michigan Eastern District Bankruptcy Court
Lenawee County bankruptcy cases will be filed with this bankruptcy court:
Detroit Division
211 West Fort Street, Suite 2100
Detroit, MI 48226
(313) 234-0068
Counties Served: Jackson, Lenawee, Macomb, Monroe, Oakland, St. Clair, Sanilac, Washtenaw, and Wayne
An experienced Clinton Bankruptcy Lawyer will know the federal laws governing bankruptcy, but will also be familiar with the Local Bankruptcy Court Rules that are specific to each district, and sometimes specific to individual bankruptcy judges. Contact a Lenawee County Bankruptcy Attorney for a free initial consultation regarding Chapter 7, Chapter 13, Chapter 11, or Chapter 12.
Clinton 341 Meeting Room Location
As soon as a bankruptcy case is filed, a date is set for the Meeting of Creditors, also known as the 341 Meeting. This meeting gives creditors the opportunity to question the debtor (you) about monies owed and property owned. An average 341 Meeting lasts about 3 to 4 minutes. Your Clinton Bankruptcy Lawyer will explain the meeting to you and accompany you to the meeting.
The meeting room location is:
U.S. District Court
200 E. Liberty Street
Ann Arbor, MI 48108
(734) 741-2380
U.S. Trustee
www.usdoj.gov/ust
www.justice.gov/ust
Chapter 13 Trustees
When your Chapter 13 bankruptcy case is filed with the Court, a Chapter 13 Trustee will be assigned to your case. The Chapter 13 Trustees for the Eastern District of Michigan are:
Carl L. Bekofske
400 North Saginaw Street, Suite 331
Flint, MI 48502
Phone: (810)238-4675
E-mail: cbekofske@flint13.com
Krispen S. Carroll
719 Griswold Street, Suite 1100
Detroit, MI 48226
Phone: (313)962-5035
E-mail: www.Det13skc.com
Thomas W. McDonald, Jr.
3144 Davenport Avenue
Saginaw, MI 48602
Phone: (989)792-6766
E-mail: Tom@McDonald13.org
David W. Ruskin
1100 Travelers Tower 26555 Evergreen Road
Southfield, MI 48076
Phone: (248)352-7755
E-mail: www.Det13.org
Tammy L. Terry
535 Griswold, Suite 2100
Detroit, MI 48226
Phone: (313)967-9857
E-mail: www.Det13.net
Credit Counseling Services in the Clinton area:
All individuals (not business entities) are required to complete credit counseling before their bankruptcy case can be filed – for all chapters of bankruptcy, including Chapter 7, Chapter 13, Chapter 12, and Chapter 11. After the case is filed, individuals must complete the second half of the course which is called debt management. View the Federal Trade Commission's brochure with consumer information about credit counseling and debtor education.
Credit counseling services must be approved by the bankruptcy court in order to provide these classes. In the Clinton area, these providers have been approved:
American Debt Counselling
27821 Ford Road
Garden City, MI 48135
(734) 522-7500
Debtor's Anonymous
324 East Huron Street
Ann Arbor, MI 48104
(734) 332-9092
For other approved providers in the Clinton area, visit the U.S. Dept. of Justice website.
www.justice.gov/ust/eo/bapcpa/ccde/de_approved.htm
Credit Reporting Agencies:
Your Clinton Bankruptcy Attorney may have you sign an authorization form so your credit report can be downloaded directly or you may be asked to obtain your free annual credit report yourself and submit it with your other bankruptcy documentation.
You are entitled to a free annual credit report from the three nationwide credit reporting companies. Don't be tricked by TV ads, email offers, or website banner ads into paying for your credit report. The only authorized source for your free credit report is AnnualCreditReport.com. Visit the Federal Trade Commission's website for more information about your free annual credit report.
Equifax
P.O. Box 740241
Atlanta, GA 30374
1-800-685-1111
www.equifax.com
TransUnion
Consumer Disclosure Center
P.O. Box 390
Springfield, PA 19064-0390
1-800-888-4213
www.transunion.com
Experian
National Consumer Assistance Center
P.O. Box 949
Allen, MI 75013-0949
1-800-682-7654
www.experian.com
Innovis Consumer Assistance
P.O. Box 1358
Columbus, OH 43216-1358
Tax Returns:
You will be required to file copies of your tax returns for the past 2-3 years; submitting them either to the Trustee or the Bankruptcy Court, depending on local bankruptcy rules.
Federal Tax Returns:
For Information on how to obtain a Tax Return Transcript from the Internal Revenue Service, visit the IRS website or call 1-800-908-9946.
State Tax Returns:
You will need to submit state income tax returns if, during the past 2-3 years, you lived in a state that imposes state and/or local income taxes. (There are 43 states in the United States that have a state income tax.) Contact the state's taxing authority if you need to obtain copies of your tax returns from any of these states.
Vehicle Valuations:
You will need a fair and accurate value for any vehicles you own as of the day of filing your bankruptcy case. You can use online sources, but it is sometimes more accurate to get an estimate from a local used car dealer. Local car dealers have a better idea of what someone would actually pay for a vehicle in their city, which is not always the same as the value in the car buying guides.
Online Vehicle Valuations:
NADA - www.NADA.com
Kelly Blue Book - www.kbb.com
Edmunds - www.Edmunds.com
Local Used Car Dealers (for obtaining vehicle valuations):
Underwood Chevrolet Buick
1070 W Michigan Avenue
Clinton, MI 49236
(800) 456-4181
Deals on Wheelz
2999 Treat Highway
Adrian, MI 49221
(517) 215-9475
Pelham's Auto Sales & Service
3260 N Adrian Highway
Adrian, MI 49221
(517) 265-0042
Appraisals and Valuations for Real Estate (Real Property)
A fair and accurate value for your real property must be listed on your bankruptcy forms (Schedule A). Although some Trustees and Bankruptcy Courts will use the value assigned to your property by your local tax assessor, it is beneficial to have a local expert, such as a Clinton real estate agent, give you a valuation on your property.
Some local Clinton area realtors include:
Real Estate 4 U
9031 Lewis Avenue
Temperance, MI 48182
(734) 224-7775
VanEtten Co Inc
1114 S. Winter Street, Suite 6
Adrian, MI 49221
(517) 265-2211
Edward Surovell Realtors
145 E. Chicago Boulevard
Tecumseh, MI 49286
(517) 424-4444
Gil Henry & Assoc. Realtors
201 W Maumee
Adrian, MI 49221
(517) 263-8971
Lenawee County Bankruptcy Law Firms will review your financial situation, provide you with advice on the bankruptcy process, and show you how you can receive debt relief!
Serving clients throughout Southeastern Michigan, including Allen Park, Amherstburg, Ann Arbor, Birmingham, Bloomfield Hills, Clinton TWP, Dearborn, Dearborn Heights, Detroit, Detroit Metro, Eastpoint, Famington Hills, Flint, Grosse Pointe Woods, Hamtramck, Lincoln Park, Livonia, Romulus, Saint Clair Shores, Southgate, Taylor, Tecumseh, Warren, Waterford, West Bloomfield, Wyandotte, areas in the vicinity of Selfridge Air Force Base, and other communities in Macomb County.
Contact a Clinton Bankruptcy Attorney today for a free initial consultation.
Other Legal Bankruptcy Lawyers
If for some unforeseen reason, the Clinton Bankruptcy Lawyers listed on this site are unable to assist you, please visit the Clinton Bankruptcy Lawyers listed on HG.org; or the Clinton Bankruptcy Lawyers listed on GetLegal.com; or the Clinton Bankruptcy Lawyers on Justia.com