Is Bankruptcy The Right Solution For You?

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Considering Bankruptcy?

  • Are you being chased, harassed, or even sued by creditors?
  • Have you lost the ability to make your home or car payments?
  • Do you have tax debt?
  • Do you have judgements against you?
  • Are you being garnished?
  • Are your wages being levied?

If you find yourself deep in debt, you may spend a great deal of time and effort worrying over and attempting to cover up the seriousness of your financial situation. Ignoring these financial problems won’t make them go away, it will just make them worse.

Bankruptcy may be your best option. To find out if bankruptcy makes sense for you, the first step is to talk to a lawyer. Though bankruptcy can seem like the end, it is truly a beginning. At Thav Gross, we show you how bankruptcy can get you out of debt, how it can save your home, your car, and any other assets you may have. Bankruptcy allows you to eliminate the debt and generally keep everything you own.

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What Is The Difference Between Chapter 7 And Chapter 13 Bankruptcy?

You have a financial problem and need the best solution to eliminate your debt. You have options. At Thav Gross, our goal is to eliminate your debt in the quickest, least costly way possible that is best for you. Bankruptcy is only one option available.


Debt Elimination – Fresh Start

Who qualifies for Chapter 7?

Generally, if you spend what you make on your household expenses such as rent, mortgage, car payments, and groceries and there is little or nothing left over at the end of the month to pay your credit cards, hospital bills, and other debts such as back income taxes or student loans, then you likely qualify for a Chapter 7 Bankruptcy.

Chapter 7 is a bankruptcy that eliminates your debt, gives you a fresh start and allows you to keep most, if not all, of the assets that you own. After a Chapter 7, your debts are in the past and your future awaits. Credit scores are reborn, and you get to rebuild instead of being buried by the debt.


Reorganization – Repay What You Can Afford

Chapter 13 forces creditors to work with you and allows (if you qualify) you to repay what you can afford, not what the creditor demands.

Chapter 13 allows you to stop foreclosure, save your home, and can eliminate second mortgages on homes that are underwater. Chapter 13 gives you up to 5 years to catch up on mortgage arrearages and past-due property taxes. Chapter 13 gives you room to breathe and catch up at a reasonable pace… not immediately like the lender wants.

We restructure your debt by paying creditors as little as 0% of the debt owed, and we can often reduce secured car and furniture loan payments. Chapter 13 will stop repossession of vehicles and garnishment of wages. We can also seek loan modifications to reduce your mortgage payment during the process.

Chapter 13 bankruptcy allows you to battle the big banks and win. The playing field is evened with Chapter 13, giving you an opportunity to get back on your feet financially.

Why Choose Thav Gross For Your Bankruptcy Case

You need help from a lawyer that specializes in bankruptcy law, not a jack-of-all-trades-master-of-none attorney. We are dedicated to being the best attorneys that specialize in bankruptcy law. Saying this, we are not a “mill”,  andyou are not just a number at Thav Gross. You get individualized attention and care when you are our client. You only work with an attorney, not a paralegal or secretary. We are here for you and your legal concerns. We provide representation for both personal and business bankruptcy, and we have extensive knowledge of all aspects of bankruptcy law. We are licensed attorneys in the state of Michigan and have over 70 years of combined experience.

The experienced staff at Thav Gross will be happy to assist you with:

  • Explaining the complicated differences between Chapter 7 and Chapter 13 filings under the Bankruptcy Code.
  • Determining which type of bankruptcy will work best for your unique situation.
  • Acting on filing your bankruptcy to put a stop to harassment by creditors, foreclosure of your home, and/or repossession of your car.
  • Finding you a solution to your financial issues if bankruptcy is not your best choice.

Every case is different, and there isn’t one solution to fix all problems. The key to any successful bankruptcy is for a qualified lawyer to do a complete analysis of your financial situation, look at your income and expenses, assets and liabilities and advise you as to your best solution.

We listen carefully to your goals and concerns, and we work hard to help you reach the best solution for you. We’re here to answer your questions and support you as you explore all your legal options.

Help Is Available

If you are considering filing for bankruptcy, we can help. We know this is a difficult and uncertain time for you. Imagine how a fresh financial start could make a world of difference to you, your family or your business.

We find the best solution to your legal issues with the many strategies and techniques that we have perfected over our 40 years in business. We don’t attempt to put a square peg in a round hole like other firms. What works for some might not work for others. Your situation is unique that’s why we customize your solution to resolve your issues.

At your FREE consultation, your attorney will provide you with a complete analysis of your situation and suggest the most effective method and legal solution to solve your issues. When you leave the meeting, you will have a specific plan of attack to deal with your issues. Every FREE consultation is a confidential meeting between you and the attorney.

It is our goal to find the best solution for you as quickly and effectively as possible.


Bingham Farms:
30150 Telegraph Rd. Suite 444
Bingham Farms, MI 48025

1000 Beach Street
Flint, MI 485021


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