Bankruptcy Law

Assisting individuals with Chapter 7 & Chapter 13 bankruptcy proceedings.

Bankruptcy Attorneys

Cunningham Dalman has bankruptcy attorneys who specialize in assisting individuals and businesses.

Personal Bankruptcy Attorney in Holland, Michigan

We know that personal bankruptcy can be an emotional and painful process, whether you file for bankruptcy protection yourself, or are affected by someone else who has filed. A competent personal bankruptcy lawyer is adept at answering the multitude of questions that arise. What debts can be discharged? Will I lose my house? What property can I keep?  

If you are a business owner looking for corporate bankruptcy assistance, please see our “Corporate Bankruptcy Law” services.

Contemplating Personal Bankruptcy?

If you are contemplating filing for personal bankruptcy, Cunningham Dalman’s Bankruptcy Law Practice Group in Holland, Michigan has the experience and knowledge to advise and represent you in this important step in your personal life. Our attorneys will assist you in determining if bankruptcy is your best course of action or if other forms of relief may better fit your personal situation.

Voted Best Law Firm in Holland, Michigan

Attorney Articles

Are You Looking for Corporate Bankruptcy Assistance?

Personal Bankruptcy Law

Is Bankruptcy the Right Option for You?

Our attorneys assist individuals every day with evaluating their options. Each situation is unique and sometimes non-bankruptcy steps may be your best approach. Bankruptcy law in Michigan can be complex and it's best to walk this path with experienced counsel.

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Chapter 7 Bankruptcy

Chapter 7 is the most common type of personal bankruptcy and is often called "liquidation" or "straight" bankruptcy. Our attorneys can assist you in understanding the process and the best way of approaching your individual situation. In our experience, it's best to hire counsel before you begin this process.

Chapter 7

Chapter 13 Bankruptcy

If you have enough income to repay a portion or all of your debts, you may be able to restructure your obligations and submit a payment plan to the bankruptcy court. Our attorneys are well versed in Michigan bankruptcy law and how to prepare your case.

Chapter 13

Bankruptcy with Business Involved

If you own a business, personal bankruptcy can affect it. Our attorneys can assist in reviewing your business structure and help you decide on the best overall approach.


Bankruptcy of Others - Protecting Yourself

Unfortunately, there are times when a former spouse or a business partner may have to file Chapter 7. Our attorneys are here to assist you in protecting your interests.


Personal Bankruptcy Attorneys in Holland

You may need assistance. Let our team help you navigate the court system.

Personal Bankruptcy: Understanding all of your options

Is Bankruptcy the Right Option?

Unfortunately, there are times in our life when unexpected events occur, and we face financial challenges. In fact, it’s estimated that over 70% of bankruptcy filings are connected to unexpected medical expenses. The second biggest reason individuals file is related to credit debt resulting from job loss, an illness keeping your out of the workforce, and emergency expenses.

The good news is that bankruptcy isn’t the only choice. Our attorneys are here to discuss your options and assist you in deciding on the best path forward.

Alternatives to Bankruptcy:
Personal bankruptcy: Is chapter 7 the best option for you?

Chapter 7 Bankruptcy

Bankruptcy is usually the last resort for individuals / families having financial difficulties and gives them a chance to discharge or eliminate much of their debts. Chapter 7 is commonly referred to as the “liquidation bankruptcy”. Chapter 7 may allow you to discharge most of your unsecured debt such as credit cards, medical bills, and even personal loans. As is the case with many legal proceedings, Cunningham Dalman encourages you to hire us as counsel before attempting bankruptcy on your own. Our attorneys will make sure they understand your current situation and discuss all of the possible routes you could take & ultimately help you decide upon the best one. If Chapter 7 is your best option, here are some of the services we provide:
Areas of Assistance:
personal bankruptcy: could chapter 13 be a better option?

Chapter 13 Bankruptcy

Chapter 13 is often referred to as a “Wage Earner’s Plan” since it allows you to implement a plan for the repayment of your debts. This is also often times called a “personal reorganization”. The process involves submitting a plan in which a budget is established with your monthly take-home pay and expenses. The excess income is paid directly to a bankruptcy trustee who then ensures each creditor is paid the approved amount. Chapter 13 plans generally last 3 to 5 years and could position you to pay off all of your debts or a portion of your unsecured debts.
Areas of Assistance:
personal bankruptcy: understanding how bankruptcy court views your business

Filing Bankruptcy When You Own a Business

Personal bankruptcy will affect your business and will be largely dependent upon how your business entity is structured (Sole Proprietorship, Partnership, LLC, or Corporation). For sole proprietors, legally you are the business and any asset could be considered for settling debts. For partnerships, business assets will normally be limited to your interest or partnership level.

In these situations, we kindly ask you to invest in our services before venturing down this path. Our bankruptcy team can engage our Business & Corporate Law practice if additional expertise is required for your situation.

Common Topics or Concerns:
personal bankruptcy: Understanding how to protect yourself

Bankruptcy of Others - Protecting Yourself

Unfortunately, you may find yourself in a situation where a former spouse or a business partner is having to file bankruptcy and your name is on a joint loan or account. Our bankruptcy attorneys see all types of situations and look to protect your interests in these situations.

Expertise in Multiple Areas:

Personal Bankruptcy FAQs

Most frequent questions and answers
This will depend upon your personal situation but most Chapter 7 cases are referred to as “no asset cases” where the individual doesn’t own enough assets to liquidate.
In most cases, Chapter 7 will discharge credit card debts, medical bills, and any unsecured personal loans. Child support and alimony cannot be discharged in a Chapter 7 filing.

This will depend upon your individual circumstances. Chapter 7 is the most popular filing but you must qualify via the “means test”.

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