Bankruptcy Lawyer Near Me
Bankruptcy Lawyer Near Me
Debt is a major concern for many individuals, households, and small business owners in Sterling Heights and across the country. If you struggle to keep up with your bills, dodge collector calls, or have legal cases or judgments against you, know that many others are in a similar position, and there are ways to turn your situation around. One solution is to file for bankruptcy to eliminate as many debts as possible.
Bankruptcy filings have helped thousands of people each year in the U.S., and an increased number of people are expected to file in the coming months due to pandemic-related debt. If you are wondering what debt relief solutions are available to you, discuss your options with a Sterling Heights bankruptcy lawyer right away.
Types of Bankruptcy Cases
There are two common types of consumer bankruptcy cases, as follows:
Chapter 7
Chapter 7 of the U.S. Bankruptcy Code provides a faster and simpler type of bankruptcy, which is available to qualified individuals, married couples, and business owners. The following are some basics about the Chapter 7 process:
- You must qualify for Chapter 7 by passing the “means test,” which ensures that your household income is not higher than the median income in your state
- You must complete and file the bankruptcy petition and all supporting schedules
- The court orders an automatic stay that halts all collection efforts against you
- The bankruptcy trustee can claim property and assets from you that are non-exempt
- The bankruptcy court can discharge your remaining qualified debts
If there are no hiccups, this process can take about four to six months.
Chapter 13
Chapter 13 is another option for consumers (not business owners) who do not pass the means test, who have too much non-exempt property, or who have debts not dischargeable in Chapter 7. The process starts by filing a petition and having the court file an automatic stay. However, the rest of the process is quite different because:
- You do not have to relinquish any property or assets to the bankruptcy court
- You will reach a repayment agreement with the bankruptcy trustee and court, which requires you to make a single payment to the court each month
- The trustee will receive the payments and use them to pay your priority debts
- After completing the repayment plan, which can last three or five years, the court can discharge your remaining qualified debts
While a repayment plan might seem daunting, this process can help you avoid foreclosure and pay your mortgage arrears, keep your property and assets, and still emerge with the discharge of your debts.
Schedule Your Consultation with a Sterling Heights Bankruptcy Lawyer Today
If you think you might be a good candidate for bankruptcy, you likely have many questions. Is bankruptcy the right choice? Which type of bankruptcy should you file? How can you recover financially after bankruptcy? Lucido & Manzella, P.C. is ready to answer your questions. Contact us for a consultation and to learn how we can help.
Talk To An Experienced & Aggressive Lawyer Today.
We offer a free initial consultation so you will get an opportunity to meet us, and we will have an opportunity to learn more about your legal issue.
Success Stories
in the News
Free Consultation with an Experienced & Aggressive Macomb County Lawyer
Our consultations offer an opportunity for you to meet our team and discuss your legal issues.
Hear From Our Clients
Adrianna and the whole Lucido and Manzella family of Lawyers are awesome. Adrianna did such a great job with my complicated case. Adrianna helped me out with everything through the long process. Thanks again Adrianna for helping me with my case . I will always use Lucido and Manzella Law in the future if I need too.
I would like to take the time today, on my baby's 1st birthday, and say that I am truly thankful for Vincenzo (Vince) Manzella with Lucido & Manzella P.C. having achieved satisfying results in my delicate child paternity/custody case. As demanding of a client as I am, I was pleased with his performance and guidance. Thanks to all who assisted and wholeheartedly give my recommendation to all those seeking outstanding representation. I am forever grateful.
Vince is great to work with. I’d highly recommend him to anyone needing representation for divorce/custody.
I am so lucky I was referred to Vince. He helped me keep a PPO in place. The situation was very stressful and scary for me, but I always felt comfortable and confident with him representing me. I will definitely refer him to other in the future. I wish I would have had him for my actual divorce. He is EXCELLENT.
"Angelo took great care of my husband and I would recommend this office to anyone in need of attorney closed our case almost immediately. Great staff."
"Absolutely the best Law Firm you can retain in Macomb County! Highly recommend them, absolutely stellar reputation and reasonable fees!"
"We use Lucido & Manzella for Business and Personal. Always quick to respond and they get the job done!"
"I’ve utilized services on several occasions. Helpful in helping me understand aspects of the situation I wouldn’t have understood on my own. A far more personal experience than I’ve experienced in the past with other firms. Beyond pleased with every outcome each time. You have My highest recommendation for representation."
"The best lawyers in town hands down."
"I used Mr. Manzella for several issues with my ex over the last few years. He always knows how to handle the issues so that I get the results I deserve."
"Vince Manzella and his firm have represented me for several years with extensive family/probate court issues. Vince is aggressive, professional and on point at all times. He stands out as one of the hardest working and involved lawyers I have ever retained and I can truly say, I will never go anywhere else for legal service. I trust this firm fully as they have proven time after time that they got my back and won't ever let me or my…
"I needed to find a lawyer to help with my parents with their estate plan and I brought them in to see Mr. Manzella. They were able to put together a plan that really met our needs. They were very understanding of our situation as well. I really appreciated the time they took explaining things to us."
"Mr. Manzella was great during my divorce. He got me through the hardest time in my life and did more for me than I thought was possible. His professionalism is exceptional & is matched by his confidence. The emotional support I received was invaluable. I couldn’t have asked for a better lawyer."
"Hired Manzella recently for some family issues and he did an amazing job working through things. He explained things through every step and never made unrealistic promises. This is the guy you want to see in Macomb County!"
"Vince is the greatest attorney I've ever had. He got a gun case dropped to misdemeanor!! Vince is a great listener and gets the job done. He is excellent!!! I would hire him in any case ever."
"Vince and his firm have been my family's attorney for over 10 years, They do a great job, When they say they will do something, they do it! And they get the job done. Very Trustworthy & have the highest of integrity! His entire staff is excellent! You won't go wrong with using Lucido & Manzella believe me!"
"Vince is a great lawyer who fought for me. His office and staff went the extra mile to help with my case. Thank you Lucido & Manzella!"
"I was contacted the same day. Me. Lou Corey was professional and I believe he directed me in the right direction."
"Personal Injury Attorney- I called looking for an attorney to handle my injury and received feedback immediately."
"When it comes to getting a law firm that you feel comfortable with, Lucido and Manzella have my trust. They were very prompt and forthright. They listen in detail to your concerns and give knowledgeable responses to your concerns. Their firm is well respected in southeastern Michigan. You will get treated with honest answers and feel very dignified by using their team."
"Working in the legal field can be rather challenging at times. Needless to say, having a firm grasp on the law and knowing how to apply it to ones case can mean all the difference between winning your war or getting less than you deserve. Having had the pleasure of working with this firm in both a personal and professional capacity, I would have to say that this firm goes out of its way to accommodate its clients no matter…
"Very personable, got a next day appointment and they went right to work for me! Would highly recommend them to anyone in need of legal services."
"I have used the firm for my divorce. Each time I met with Vince through the process he was very helpful and understanding. Having to go through something like this was not fun but I felt a lot better knowing that I had him on my side."
"I highly recommend Vince he helped my son out. He was there every step of the way, kept every promise, and was honest about the situation. He answered any questions we had and ensured us the best outcome. If you're looking for a great lawyer you don’t have to look any further. I would recommend Vince to anyone."
*Please Note: There will be a 3 percent credit card surcharge fee added to the total when paying with a credit card.
NUVEW | Accessibility Notifications | Privacy Policy | Copyright 2026 All Rights Reserved
Attorney Advertising. This information is designed for general information only. The information presented should not be construed to be formal legal advice nor the formation of a lawyer/client relationship. Past results and testimonials are not a guarantee, warranty, or prediction of the outcome of your case, and should not be construed as such. Past results cannot guarantee future performance. Any result in a single case is not meant to create an expectation of similar results in future matters because each case involves many different factors, therefore, results will differ on a case-by-case basis. By providing contact information, users acknowledge and give explicit consent to be contacted via the methods of communication provided, including SMS. Message and data rates may apply. Message frequency may vary. Reply STOP to opt out.