We are a debt relief agency.  We help people file for bankruptcy relief under the Bankruptcy Code

    While bankruptcy may be your only option, we can help you determine if there’s another way out.

    That is to say, in additional to assessing your eligibility to file Chapter 7, our evaluation consists in three (3) parts:

    1.       What are the consequences of doing nothing?
    2.       Is it possible and economically feasible to negotiate with your creditor(s) so as to avoid
              the need to file bankruptcy?
    3.       What will your financial picture look like after bankruptcy?

    If it turns out that bankruptcy is the only solution to your problem, there are several things that you’ll need to do in
    preparation for filing the bankruptcy petition to ensure that your petition doesn’t get dismissed.

    Thus, the place to start is a careful evaluation of your situation in light of the new changes in the bankruptcy code.  
    This will help fix the timing and precise manner of your filing.

    Further, we are willing to handle this matter for you for a flat rate.  

    Our assistance may include bankruptcy relief.  We also employ strategies that:

Slow down—and often—avert collection activities

Help clients devise an actionable strategy for dealing with personal and marital debt.

    We also . . .

Represent clients in short sales to ensure that judgments include security for clients in the event an
opposing party does not cooperate in a sale, or a party in possession defaults on mortgage.

Ensure clients secure documentation verifying that lenders will not pursue a deficiency judgments following
settlement.  Help clients anticipate the tax ramifications associated with debt settlement—i.e., forgiveness
of debt is treated as income.

    Click the button below to view a Microsoft PowerPoint presentation that will provide more information about
    bankruptcy, recent changes to the Code, as well as some ways that you may be able to avoid it.
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Disclaimer: The information provided herein is provided for informational purposes only and does not purport and is not intended to solicit, initiate, or form an
Attorney-Client relationship.  Moreover, while some of the information found on this site is based on laws and court rulings, it is not intended to be legal advice and must
not be relied upon as legal advice on specific facts.
Law Offices of RL Johnson |  Copyright © 2007 All Rights Reserved.
                               LOCATIONS:

MAIN OFFICE
Livonia, Michigan
39111 W. Six Mile Road
Livonia, Michigan 48152
Tel.:  (734) 521.2501
Fax:  (800) 597.0284


    Southfield, Michigan
    Call for an appointment:  (800) 597.0284

    Bloomfield Hills, Michigan
    Call for an appointment:  (888) 443-4146

    Novi, Michigan
    Call for an appointment:  (800) 545-8930
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LAW OFFICES OF RL JOHNSON