Garrett Law Offices

Updates

Posted on Feb 13, 2019

Staying Positive: How to Recover from Stressful Debt and Bad Credit

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Posted on Feb 13, 2019

A record 7 million Americans are 3 or more months behind in payments now....

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Posted on Dec 31, 2018

TAX REFUNDS! Many deposit tax refunds in their bank accounts this time of year. Debt collectors know this and get prepared with garnishment papers to snatch away the money. We can help prevent this tragedy before it happens to you

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Posted on Dec 22, 2018

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Posted on Dec 21, 2018

You are always welcome to come into one of our offices. However, we can also prepare your Chapter 13 case right over the phone and through the mail! Great if you don't want to take off work or find someone to watch your children...

Posted on Dec 2, 2018

Let's discuss your debt relief options.

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Posted on Nov 28, 2018

Take the first step towards getting control again...

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Posted on Oct 18, 2018

Why do I work so hard?
Paying bills puts me in a graveyard!
My credit record is bruised and scarred.
By repos, medical bills, and credit cards.

I just want some peace and rest.
But bill collectors act like guests!
To stop them you need the best...
Garrett Law Offices passes the test.

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Posted on Oct 18, 2018

Stop the insanity!.

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Chapter 13 Bankruptcy Representation

Free Consultation to see if you are eligible.
A good way to think about Chapter 13 is as follows: “You do your best, they dump the rest.” In other words, what you pay your creditors is ability based! You make a 3 to 5 year commitment to pay whatever your budget says you can afford on all of your unsecured debt (with one monthly payment through a bankruptcy trustee) and at the end of the case the rest of your debt including interest and late fees will be forgiven. Examples of unsecured debt are credit card debt, medical bills, repossessions and foreclosures. As a general rule if you can afford at least $150 per month for this purpose you should consider Chapter 13 bankruptcy.
Attorney's Fees
Your attorney's fees are supervised by the court and can be largely paid "through your plan."
Ongoing Representation
Our office continues to represent you throughout the case

Chapter 7 Bankruptcy Representation

Free Consultation to see if you are eligible.
It is important to carefully evaluate your budget and circumstances before choosing which type of bankruptcy to file. In Chapter 7 bankruptcy you jump to the end of the process right away and all of your unsecured debt is forgiven without a payment plan. However, you must be able to demonstrate you have no reasonable ability to repay even a portion of your debt in order to qualify for Chapter 7. Otherwise, you risk what’s called a “bad-faith” dismissal of your case altogether. There are significant pros and cons in choosing which type of bankruptcy to file. That’s why experienced attorneys do a thorough evaluation first.
Paid Before Filing
Typically you must pay your attorney's fees in full prior to filing. Services incurred after your case is filed are billed hourly at the court approved rate.
Office Visit
An office visit to our Muskegon location is recommended prior to filing.

Fees

Free Initial Consultation
$0.00
By phone or in person.
Typical Downpayment to Start a Chapter 13 Case
$200.00
Balance paid as permitted by the court "through your plan."
Cost of a Chapter 7 Case
Depends on your situation. We can quote you after your free interview.

Locations We Serve

These cities, for example ...
MUSKEGON LUDINGTON NEWAYGO TRAVERSE CITY BALDWIN BIG RAPIDS EVART FREMONT GRAND RAPIDS GRAND HAVEN HART MANISTEE PENTWATER REED CITY SCOTTVILLE WALKER STANDALE
And all of West Michigan ...
We can prepare your Chapter 13 Petition and Plan over the phone if coming into our offices is difficult for you due to employment, child care, or transportation difficulties.
Just give us a call...

About Us

Thanks for inquiring about how to quickly find “relief” from the harsh collection activities of your creditors through Garrett Law Offices. We are a law firm providing services as a federally designated debt relief agency and have over 25 years of experience helping people just like you find such relief under the bankruptcy code. With a properly handled bankruptcy, you can eliminate many kinds of debt and even stop garnishments, repossessions, and foreclosure. We have thousands of delighted and grateful clients. You can see our ratings and read our reviews.

https://www.avvo.com/attorneys/49441-mi-david-garrett-740613.html#client_reviews

We know you may have understandable reluctance to take this step. To help, we intend to make sure you have a great experience with our office! It’s bad enough suffering with the anxiety which comes from debt let alone dealing with an unsympathetic, expensive, or inexperienced law firm who wants you to do things on its terms. We believe bankruptcy should be confidential, convenient, professionally handled and competitively priced.