Royal Oak Bankruptcy Resources | Legal Help & Factual Resources
Helpful Information for Bankruptcy Filings in
Royal Oak — Oakland 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
Michigan Southern District Bankruptcy Court
Oakland County bankruptcy cases will be filed with this bankruptcy court:
211 West Fort Street
Detroit, Michigan 48226
(313) 234-0065
Counties Served: Jackson, Lenawee, Macomb, Monroe, Oakland, St. Clair, Sanilac, Washtenaw, and Wayne
An experienced Royal Oak 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 Oakland County Bankruptcy Attorney for a free initial consultation regarding Chapter 7, Chapter 13, Chapter 11, or Chapter 12.
Royal Oak 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 Royal Oak Bankruptcy Lawyer will explain the meeting to you and accompany you to the meeting.
The meeting room location is:
211 West Fort Street
Suite 315
Detroit, MI 48226
U.S. Trustee
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 Southern District of Michigan are:
Carl L. Bekofske
400 North Saginaw Street Suite 331
Flint, MI 48502
E-mail: cbekofske@flint13.com
Phone: (810)238-4675-Fax: (810)238-4712
Krispen S. Carroll
719 Griswold Street Suite 1100
Detroit, MI 48226
E-mail: www.Det13skc.com
Phone: (313)962-5035-Fax: (313)965-1940
Thomas W. McDonald, Jr.
3144 Davenport Avenue Saginaw, MI 48602
E-mail: Tom@McDonald13.org
Phone: (989)792-6766-Fax: (989)791-6565
David W. Ruskin
1100 Travelers Tower 26555 Evergreen Road
Southfield, MI 48076
E-mail: www.Det13.org
Phone: (248)352-7755-Fax: (313)352-2902
Tammy L. Terry
535 Griswold Suite 2100
Detroit, MI 48226
E-mail: www.Det13.net
Phone: (313)967-9857-Fax: (313)967-9501
Credit Counseling Services in the Royal Oak 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 Royal Oak area, these providers have been approved:
CNorth American Bancard LLC
250 Stephenson Hwy, Troy, MI
(248) 269-6000
GreenPath Debt Solutions
26555 Evergreen Road 1060, Southfield, MI
(248) 352-5344
For other approved providers in the Royal Oak area, visit the U.S. Dept. of Justice website.
Credit Reporting Agencies:
Your Royal Oak 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
http://www.equifax.com
TransUnion
Consumer Disclosure Center
P.O. Box 390
Springfield, PA 19064-0390
1-800-888-4213
http://www.transunion.com
Experian
National Consumer Assistance Center
P.O. Box 949
Allen, MI 75013-0949
1-800-682-7654
http://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):
Autohaus Services Inc
4411 Delemere Road
Royal Oak, MI 48073
(248) 549-3636
Royal Auto Sales
1123 E 11 Mile Road
Royal Oak, MI 48067
(248) 629-7057
Main Car Inc
829 N Main Street
Royal Oak, MI 48067
(586) 977-0176
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 Royal Oak real estate agent, give you a valuation on your property.
Some local Royal Oak area realtors include:
Coldwell Banker Schweitzer Real Estate
29480 Woodward Avenue
Royal Oak, MI 48073
(248) 645-5800
Conselyea Real Estate
1719 Crooks Road
Royal Oak, MI 48067
(248) 399-6400
D G Ball Real Estate
27172 Woodward Avenue Suite 300a
Royal Oak, MI 48067
(248) 549-3990
Skyward Real Estate
519 S Washington Avenue
Royal Oak, MI 48067
(248) 548-5959
Oakland 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, Dearborn, Dearborn Heights, Detroit, Detroit Metro, Eastpoint, Farmington Hills, Flint, Grosse Pointe Woods, Hamtramck, Lincoln Park, Livonia, Pontiac, Redford, Romulus, Royal Oak, Southgate, Taylor, Tecumseh, Warren, Waterford, West Bloomfield, Wyandotte, areas in the vicinity of Clinton TWP, Oakland County International Airport, Selfridge Air Force Base, and other communities in Oakland County.
Contact a Royal Oak Bankruptcy Attorney today for a free initial consultation.
Other Legal Bankruptcy Lawyers
If for some unforeseen reason, the Royal Oak Bankruptcy Lawyers listed on this site are unable to assist you, please visit the Royal Oak Bankruptcy Lawyers listed on HG.org; or the Royal Oak Bankruptcy Lawyers listed on GetLegal.com; or the Royal Oak Bankruptcy Lawyers on Justia.com