debt advice

Debt Advice Specialists in the Sanford, MI Region


In today’s economy, may people are facing unemployment and a mountain of debt.  When facing financial difficulties, you need someone to turn to for debt advice.  Shantele Elmy has been where you are and wants to help you.  She will help guide you in making the right decisions in order to start living a debt-free life.

Do You Need Debt Advice


Anyone who has debt needs debt advice, especially if you are struggling to make your monthly payments.  Are you finding it difficult to make sure you have the basics like:
  • Shelter?
  • Food?
  • Clothing?
Then it’s time to make an appointment today to find out how to end the struggle.

Debt Nearly Affects Everyone


Nobody likes to talk about debt, but it affects nearly everyone whether you are young, old, rich or poor.  But, analyzing and talking about your financial situation is critical in order to make long-term financial changes in your life.  One of your first steps to getting yourself out of debt is to know how you got there in the first place.

Make A List


After you have asked yourself how you got into debt, make two lists. The first list is money you owe, i.e. your debts. The second list is your expenditures, i.e. money you spend. Now compare them. Things to look for are:
  • Trips to fast food, restaurants, and specialty coffee shops.
  • Doctors and medical emergencies.
  • Divorce
  • Home repairs



Now that you have taken a look at your two lists, you need to evaluate where you are spending your money.  Use the list to gain insight into your personal spending habits.  Now that you understand your relationship with money, you can move forward. The key to getting out of debt is to understand how you got there in the first place and then making a plan to get out. Speak with our experienced bankruptcy attorney to discuss potential solutions to your debt crisis, including Chapter 7 and Chapter 13 bankruptcy. Contact Elmy Law, P.C. to schedule a free consultation. 

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