Gaylord Bankruptcy Lawyer

With over 2,000 successful cases under his belt, Gaylord Bankruptcy Lawyer Patrick Fragel’s experience ensures your Chapter 7 or Chapter 13 case goes smoothly. Leave nothing to chance, talk with Patrick Fragel to determine if Chapter 7 or Chapter 13 is the best option for you. Having served as a Gaylord Bankruptcy lawyer for nearly 20 years, Patrick Fragel will provide you valuable advice.

Our Clients receive service that Guarantees their Bankruptcy is Filed on Time, Everytime. Our Gaylord Bankruptcy Clients Receive Excellent Service, Including:

  • Flexible Payment Plans
  • Same Day Filing
  • No Messy forms to Fill Out
  • Credit Reports
  • Credit Counseling Contacts.

You Will Not Lose Your Property. Gaylord Bankruptcy Lawyer Patrick Fragel Protects Your Most Valued Assets:

  • Protect Your Pension, 401K, IRA
  • Protect Your Social Security and Worker’s Compensation
  • Protect Your Vehicles, Home and Business
  • Protect Your Home Equity
  • Protect Your Savings Account
  • Protect Your Personal Belongings and Household Items.

Filing a Chapter 7 or Chapter 13 Bankruptcy Immediately Stops These Creditor Actions:

Foreclosures: Filing either Chapter 7 or Chapter 13 will stop any home foreclosure action by your lender under the automatic stay provision of the U.S. Bankruptcy Code. Filing Bankruptcy will also stop a land contract forfieture of your home or business property. Contact Gaylord Bankruptcy Lawyer Patrick S. Fragel and find out how a Chapter 7 or Chapter 13 will protect your home.

Repossessions: Filing either Chapter 7 or Chapter 13 will stop any repossession under the automatic stay provision of the U.S. Bankruptcy Code for at least 45 days. However, this stay is temporary. You may need to sign a reaffirmation agreement and catch up on your payments to keep the asset.

Wage or Tax Refund Garnishments: If you are being threatened with a garnishment by a creditor, filing for Chapter 7 or Chapter 13 bankruptcy will prevent the creditor from seizing your wages or tax refund. You will receive your full wages earned during the Bankruptcy proceedings as well as any garnished wages your employer may be holding. You are also entitled to recover the entire tax refund, free of any claims from your creditors.

Lawsuits: If you are being sued, the filing of a Chapter 7 or Chapter 13 will cause the Lawsuit to be dismissed. All hearings are cancelled, pay orders are suspended. If you have a subpoena from to Appear for a Creditor’s examination, you will not have to attend. The filing of a Bankruptcy stops all such proceedings.

Important Gaylord Bankruptcy Contacts

Secretary of State, 829 West Main Street, Gaylord, MI 49735 888-767-6424

Otsego County Register of Deeds, 225 W. Main Street, Gaylord, MI 49735 989-731-7551

Otsego County Equalization, 800 Livingston Blvd, Gaylord, MI 49735 989-731-7411

U.S. Bankrutpcy Court, 111 First Street Bay City, Michigan 48708 989-894-8840

Otsego County Governmental Center, Gaylord, Michigan

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