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Updates

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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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 suc...

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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! Just fill in the worksheets to get started.

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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.

Call now

Services

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 $200 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 down payment to start work on your case.

    $200.00
    Much of your fee 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...


Testimonials

a month ago
Great lawyer
- Michael S
3 years ago
- David G
4 months ago
- Tabitha W

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.

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Contact

Call now
  • (231) 755-9100
  • (231) 239-8733
  • (231) 592-0000

Address

Get directions
1732 Lakeshore Dr
Muskegon, MI 49441
USA

Business Hours

Mon:Open 24 hours
Tue:Open 24 hours
Wed:Open 24 hours
Thu:Open 24 hours
Fri:Open 24 hours
Sat:Open 24 hours
Sun:Open 24 hours
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