You're overwhelmed by debt. You've tried to get it under control, only to get harassing phone calls from creditors, as well as threats of home foreclosure, car repossession or wage garnishment. You've tried all other options and you're left with bankruptcy. Still, you're worried that this isn't the right thing to do. You may even feel bad or feel like you're cheating someone.

Bankruptcy Is Your Chance For A Fresh Start

Here at the law firm of Thomas J. Tomko, Attorney at Law, we want you to know that you are not cheating anyone by filing bankruptcy. Bankruptcy is nothing to feel bad about. The government has provided this option specifically for people like you, people who have become overwhelmed by debt due to job loss, medical bills, divorce or other unforeseen circumstances.

Yes, it's okay to file bankruptcy. It was okay for companies like General Motors and Chrysler. It's okay for you, too.

We Know Bankruptcy

People in Macomb County, Clinton Township, Sterling Heights and the surrounding cities and counties in Michigan turn to us because we bring more than 20 years of experience to every personal bankruptcy case we handle.

Getting a fresh start is the goal of filing bankruptcy. When you start the bankruptcy process, you can be confident in our ability to get you through. From gathering what you need to file bankruptcy to seeing that your debt is discharged, we will be by your side.

Chapter 7 Bankruptcy

Chapter 7 is a form of personal bankruptcy that provides debt relief through the discharge of debt without repayment.

Chapter 13 Bankruptcy

Chapter 13 is a form of personal bankruptcy that provides discharge of debt through the completion of a personalized repayment "Plan," and payment of a portion of your debt.

Possible Bankruptcy Proceedings

With the assistance of an experienced attorney, more often than not, the bankruptcy process is surprisingly smooth. When your attorney is complete, thorough, and knows the specific requirements of the Court and the Bankruptcy Trustee, the process is fairly easy.

At the firm of Thomas J. Tomko, Attorney at Law, we make every effort to make your case proceed smoothly. However, there are occasions when issues that can arise. Objections to your bankruptcy can be filed, and the Bankruptcy Trustee may need detailed information before your case can be completed. We have the experience to handle these issues, which may include additional proceedings such as:

Free Consultations

Get a Fresh Start! If you're prepared to stop creditor harassment, stop garnishments, stop lawsuits, avoid repossessions, and get your debts and life back under control, we're prepared to help. Contact us today for a free consultation with an experienced bankruptcy lawyer.

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