Bankruptcy and Foreclosure Law Firm in Michigan
Zochowski Law, PLLC
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100 E. Big Beaver Rd. Suite 900 Troy, Michigan 48083 USA |
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(248) 548-6800
or (888) 673-4134
(248) 282-1718
www.scottzlaw.com
Contact the Firm
Law Firm Overview
Zochowski Law, PLLC is a small office delivering quality service with over 12 years of experience. We are a law firm specializing in legal matters related to the protection of assets and income. This includes bankruptcy and insolvency, real estate law, mortgage foreclosure, tax law, and collection law. Zochowski Law, PLLC is not a “full service” law firm. We are experts in one specialized area of law. If, for example, you have a personal injury claim, we will refer you to an attorney we trust to help you. We are not interested in doing everything, just doing one thing very well.
We have offices in Metro Detroit and Port Huron, Michigan. Attorney Scott Zochowski is licensed to practice federal bankruptcy law throughout the State of Michigan. Mr. Zochowski is also admitted to 6 other jurisdictions beyond Michigan. This allows our office to assist clients with the type of complicated legal matters that can develop in today’s economic times, as people find themselves moving between states for work or family reasons.
Our qualified staff has the legal expertise and passion for the law that your case deserves. As a small firm, we give our clients personalized attention. That means that your meetings will always be with a licensed attorney, not a paralegal or secretary. That same attorney will be with you at every court date and will understand your goals and the legal complexities of your case.
Practice Areas
Additional Practice Areas: Chapter 7 Bankruptcy; Chapter 13 Bankruptcy; Chapter 11 Bankruptcy; Mortgage Foreclosure; Loan Default
Practice Areas Description
Zochowski Law, PLLC offers legal help on the following areas of practice:- Bankruptcy Law
In 2009, 99 percent of the total of all bankruptcy cases filed in the federal court for the Eastern District of Michigan were either filed under Chapter 7 or Chapter 13. Attorney Scott Zochowski is experienced in representing bankruptcy clients in Chapter 7 and Chapter 13 cases. Scott is admitted to practice bankruptcy law in several jurisdictions, but the majority of his work is focused in the United States Bankruptcy Court for the Eastern District of Michigan. That court serves southeast Michigan, including Metro Detroit (Macomb County, Oakland County, and Wayne County) and Port Huron (St. Clair County).
- Chapter 7 Bankruptcy
Chapter 7 is the most common form of personal bankruptcy in Michigan. In 2009, approximately 81percent of the total of all bankruptcy cases filed in the Eastern District of Michigan were filed under Chapter 7. If your goal is to be debt free as quickly as possible, filing for Chapter 7 bankruptcy may be the solution. Chapter 7 allows you to start fresh without any repayment plan. It eliminates many types of debts, such as credit cards and medical bills. A Chapter 7 bankruptcy lasts a minimum of around 4 months start-to-finish. Either an individual or a business may file a Chapter 7.
- Chapter 13 Bankruptcy
In 2009, approximately 18 percent of the total of all bankruptcies filed in the Eastern District of Michigan were filed under Chapter 13. However, Chapter 13 Trustees report that as many as 2 out of every 3 cases filed are not successful. Only an individual may file a Chapter 13. If you are not eligible for a Chapter 7 bankruptcy, if you are in mortgage foreclosure, or if you have more than one mortgage on your home, Chapter 13 bankruptcy may be an option. Essentially, Chapter 13 allows you to pay back some or all of your debts through a restructured payment plan. Late payment and other fees are often waived and interest rates reduced. Steady income is necessary to fund the repayment plan. Chapter 13 is often called a “wage earner plan” bankruptcy.
- Chapter 11 Bankruptcy
Businesses that are still somewhat profitable may consider filing for Chapter 11 bankruptcy. This plan allows companies to continue to operate and function normally while they follow a debt repayment plan. If the company is still profitable, there is a better chance that the creditors will be repaid and workers will be able to keep their jobs. In 2009, less than 1 percent of the total of all bankruptcy cases filed in the Eastern District of Michigan were filed under Chapter 11 of the Bankruptcy Code. A very large number of those cases are not successful. Our office does not currently represent debtor clients in Chapter 11 bankruptcies.
- Mortgage Foreclosure
If your home loan has defaulted, and you are facing foreclosure, you will likely get many solicitations in the mail from various sources offering to help. Be wary of people who make promises to help or rescue offers that sound too good to be true. You need an expert to assist you through this difficult process. Zochowski Law has extensive experience representing homeowners in every stage of the mortgage foreclosure process. The following is a brief explanation of the steps involved in a typical Michigan home mortgage foreclosure.
Attorneys
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Mr. Scott Zochowski
Attorney Bankruptcy, Credit and Mortgage |
More Information on Zochowski Law, PLLC
Bankruptcy Law Firm in Troy, MichiganTroy, MI Chapter 7 Bankruptcy Attorney
Michigan Mortgage Foreclosure Attorney
Troy, MI Chapter 13 Bankruptcy Lawyer
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