Kalkaska Bankruptcy Lawyer

Facing a Foreclosure, Garnishment or Repossession?

We Will Stop It Today

If the Situation is Urgent, Call 24/7 – (800) 468-7004

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

Our Clients receive service that Guarantees their Kalkaska Bankruptcy is Filed on Time, Every Time. Our 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. Kalkaska Bankruptcy Lawyer Patrick Fragel Uses the Bankruptcy Exemptions to

  • Protect 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.

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, and have a Court appearance scheduled, 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 Kalkaska Bankruptcy Contacts
Secretary of State, 114 Northland Plaza Rd Kalkaska, MI 49646 (888) 767-6424

Kalkaska County Register of Deeds, 605 N. Birch Street, Kalkaska, MI 49646 (231) 258-3300

Kalkaska Coutny Equalization Dept, 605 N. Birch Street, Kalkaska, MI 49646 (231) 258-3300

U.S. Bankrutpcy Court, 3249 Racquet Club Drive, Traverse City, MI 49684 (616) 456-2696

Kalkaska County Governmental Center

Patrick has been providing Kalkaska Bankruptcy services for more than 15 years. You can rely on his knowledge of the Bankruptcy laws to protect your property.

Patrick S. Fragel, Attorney at Law, P.C.
or visit our Contact Us Page.

“We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.” (11 USC 528)