The Trusted Bankruptcy Attorney Serving Midland, Sanford & Mt. Pleasant, MI


We do not judge our clients because we know that bad things can happen to good people. That being said, in many instances bankruptcy may be your best option. For example, filing for bankruptcy can stop foreclosures, repossessions, or garnishments, and allow you precious time to deal with your financial troubles. In addition, you may be able to eliminate many types of your debt (in a Chapter 7 Bankruptcy) or develop a payment schedule (in a Chapter 13 Bankruptcy) to ease your financial burden. Each client’s unique situation will dictate whether they should file for bankruptcy. We are here to help you with that decision. Contact the bankruptcy attorney at Elmy Law, P.C. for the best advice and guidance to help get you back on track. We offer free consultations to our clients throughout Midland, Sanford, and Mt. Pleasant, MI.

What Do I Need to Know About Bankruptcy


Bankruptcy does not have the negative connotation that it once had.  Many people don’t file simply because they don’t want people to think less of them.  It is not a part of your public record and your friends and family will not read about your financial woes in the paper.  A few more details include:
  • It does not wreck your credit for the rest of your life.
  • Many people are able to purchase a car or house within 3-4 years after filing if they have established and maintained good credit.
  • You cannot discharge student loans except in extreme situations.
  • You do not get to choose which creditors you list

Filing for bankruptcy is not something you should do on your own.  Hire a bankruptcy attorney who makes sure all the forms are filled out correctly and all the details are taken care of.

What Situations Warrant Bankruptcy?


Sometimes you fall behind because you have lost your job, gotten divorced, had medical problems that have incurred a lot of medical bills or you may be facing foreclosure.  When these circumstances occur, many people find their wages and/or bank accounts being garnished. If you are unable to meet your daily living expenses and pay your debts, bankruptcy may be an option. Contact us today and explore our debt advice as well as our Chapter 7 and Chapter 13 bankruptcy pages to see which option fits your circumstance. Our bankruptcy attorney would be happy to help you find a reasonable solution for your debt struggles. We are here for you and are proud to serve the surrounding Midland, Sanford, and Mt. Pleasant, MI communities!

bankruptcy 2

When Not to File for Bankruptcy

Each year, filing for bankruptcy proves beneficial for many Americans. Unfortunately, this financial action isn’t always the answer. In fact, there are countless situations where you may be able to eliminate your debt without the counsel of a bankruptcy attorney. Be sure to browse the following section if you’re not quite sure if bankruptcy is right for you.
  • If you have already filed for bankruptcy within the last few years.
  • If you have a small amount of debt, you may consider debt counseling services.
  • If your only source of income is Social Security, you may not need to file. These funds cannot be garnished.

Reach Out to Our Certified Bankruptcy Attorney to Schedule Your Consultation

If you’re interested in further exploring the benefits of bankruptcy, we urge you to schedule a preliminary consultation with our certified team members. For years, the legal staff at Elmy Law, P.C. has continued to provide financial counsel to all sorts of clients throughout the Midland, Sanford, and Mt. Pleasant, MI communities. During this initial meeting, our bankruptcy attorney will determine the best way to help you regain your financial footing. Additionally, we’ll be able to explore the various aspects of both chapter 7 and chapter 13 bankruptcy. Simply contact one of our knowledgeable representatives to get the ball rolling. Attorney Elmy is standing by to help you regain your financial freedom!

    Contact Our Experienced Bankruptcy Attorney Serving Midland, Sanford & Mt. Pleasant, MI

    At Elmy Law, P.C., we assist clients throughout the Midland, Mt. Pleasant, and Sanford, MI area with filing for bankruptcy. Every year millions of Americans file for bankruptcy. It can help you relieve yourself of some of your financial debts. There are two main types of bankruptcy: chapter 7 and chapter 13. There are certain qualifications that you must meet to qualify for one or the other or both. Our attorneys will help determine which types you qualify for and discuss the best option for you. Contact us today to schedule your initial consultation!


    9am-5pm, Monday-Thursday

    Evening Appointments Available