Chapter 13 Bankruptcy Legal Services in the Greater Detroit Area

Gigliotti & Associates, PC, is a respected law firm located in Clinton Township, Michigan, serving clients throughout Flint, Jackson, Monroe, and the surrounding areas. Our experienced bankruptcy attorneys are dedicated to providing compassionate and effective legal support to help individuals and families regain financial control through Chapter 13 bankruptcy.

What Is Chapter 13 Bankruptcy?

Chapter 13 bankruptcy, commonly known as the “reorganization bankruptcy,” allows individuals with regular income to create a court-approved repayment plan to pay back all or part of their debts over a period of three to five years. Unlike Chapter 7, which involves liquidation of assets, Chapter 13 enables you to keep your property while catching up on overdue payments such as mortgage arrears, car loans, and tax debts. This type of bankruptcy is especially beneficial for those facing foreclosure or repossession and who want to protect their assets.


The repayment plan is based on your income, expenses, and debt obligations, allowing you to repay creditors in an affordable manner under court supervision, ultimately leading to discharge of remaining qualifying debts after completion of the plan.

Is Chapter 13 Bankruptcy Right for You?

Chapter 13 bankruptcy may be a suitable option if:

  • You have a regular source of income to make monthly payments
  • You want to keep your home or vehicle and catch up on missed payments
  • Your debts exceed the limits for Chapter 7 bankruptcy eligibility
  • You have debt that Chapter 13 allows you to restructure or pay off over time
  • You want to stop foreclosure, repossession, or wage garnishments while repaying debts

Our attorneys will carefully evaluate your financial situation to determine whether Chapter 13 is the best choice for your unique needs.

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How Gigliotti & Associates, PC, Assists You Through Chapter 13 Bankruptcy

Navigating Chapter 13 bankruptcy requires careful planning and legal expertise. At Gigliotti & Associates, PC, we provide comprehensive support throughout every phase of the process:

Financial Assessment & Planning: We analyze your income, debts, and expenses to design a feasible repayment plan tailored to your situation.

Preparation & Filing: Our team prepares all required bankruptcy documents and filings accurately and timely to initiate your case.

Repayment Plan Development: We work closely with you and the court to create and propose a repayment plan that balances your financial capabilities with creditor obligations.

Protection Through Automatic Stay: Filing Chapter 13 immediately halts foreclosure, repossession, and collection actions, providing crucial breathing room.

Court Representation: We represent you during hearings and communicate with trustees and creditors to advocate for your interests.

Ongoing Case Management: We assist you throughout the repayment period, addressing any modifications or issues that may arise.

Debt Discharge Counseling: Upon successful completion of your repayment plan, we guide you through the discharge process and offer advice to help rebuild your financial future.

Why Choose Gigliotti & Associates, PC for Your Chapter 13 Bankruptcy?

Filing Chapter 13 bankruptcy can be a complex and lengthy process requiring skilled guidance. Here’s why clients across Clinton Township, Flint, Jackson, Monroe, and surrounding areas trust Gigliotti & Associates, PC:

  • Experienced Attorneys: Our team has helped thousands of clients successfully navigate Chapter 13 and other bankruptcy cases.
  • Client-Focused Service: We prioritize your goals and provide personalized strategies that best meet your financial needs.
  • Clear & Compassionate Communication: We keep you informed and supported every step of the way, easing the stress of bankruptcy.
  • Local Expertise: Familiarity with local courts and bankruptcy trustees in Michigan ensures effective representation.

Start Your Journey Toward Financial Stability Today

If you are struggling with debt but want to protect your assets and repay your obligations in manageable installments, Chapter 13 bankruptcy may be the right solution. Contact Gigliotti & Associates, PC today to schedule a free consultation. Our knowledgeable attorneys will guide you through the process and provide the support you need to rebuild your financial future.