Plain-English answers to the questions Michigan filers actually ask.
Wage garnishment, the Means Test, exemptions, Chapter 7 vs Chapter 13, what really happens at the 341 meeting — written from years of sitting across the table from Washtenaw County families.
How to Stop a Wage Garnishment in Michigan — Often Within 24 Hours
If a Michigan creditor is taking money from your paycheck, the automatic stay can stop it the day a bankruptcy is filed. Here's how it actually works.
More from the blog
The Michigan Homestead Exemption: How Much of Your Home Is Actually Protected
Michigan filers can choose between state and federal exemptions to protect home equity in bankruptcy. Here's how each one works in 2025.
The Chapter 7 Means Test in Michigan, Explained Without the Jargon
Above the Michigan median income? You can still often qualify for Chapter 7. Here's what the Means Test actually measures and why most filers pass.
Chapter 13 Isn't About Debt — It's About Keeping What Matters
Chapter 13 is the chapter that saves homes from foreclosure, cars from repossession, and families from losing the things they've built.
What Actually Happens at a Michigan 341 Meeting (It's Not What You Think)
The 341 meeting of creditors is the one in-person step for most bankruptcy filers. Here's exactly what to expect from start to finish.
Three Honest Signs You're Ready to File — and Two Signs You Aren't Yet
Bankruptcy is the right tool for many people but the wrong tool for some. Here's how I tell the difference in a free 15-minute consultation.
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