Came to you for legal advice, and got much more in the way of honesty and kindness.

We would like to “Thank You”, for your honesty, patience’s and kindness through one of the hardest things we have ever had to go through. When we first came in your office and talked to you, you explained everything to us and helped us on the decisions we needed to make, but more important than that was that everything you explained to us was the way it really went. We knew what was going to happen, no surprises, we knew what our obligations were, what we needed to do. Some things weren’t so hard, others were extremely hard but you walked or talked us through it. When at times we worried and needed reassurance, you and your staff were there.

Bankruptcy is embarrassing and humiliating but you were kind and very understanding, an expert in your field, your work and knowledge proved it. We came to you for legal advice and got much more in the way of honesty and kindness.

James and Susan M.

Planning for Financial Health: Advice from a Livingston County Bankruptcy Attorney

Bohikian Law: Free Financial Health ConsultationAt Bohikian Law, we believe that helping you to relieve your financial burden begins with not only looking at the amount and type of debt but looking at your budget, personal or business to see what exactly is going on.  We have offices in Brighton, MI and Howell, MI – so we can help you in the location that is most convenient for you.   You will sit down with one of our Bankruptcy Attorney who lives and works right here in Livingston County, Michigan, and you will discuss with him your options to relieve your debt  based the Attorney’s analysis of your household income and expenses.

With this as a starting point, your Bankruptcy Attorney can help you to decide what course of action to take to get you on the road to financial health! We believe that this is one of the most important things that we do with our clients in Brighton, MI and Howell, MI – and this is part of your FREE initial consultation! [Read more…]

When Should I File for Bankruptcy?

2013_09_17Having financial burdens that are bigger than you can afford to pay can be an incredibly stressful situation to find yourself in. As the months go by, and the debts pile up and get worse, it can feel overwhelming.  Bankruptcy is one possible solution when you find yourself facing financial hardship – but how do you know if filing for bankruptcy is a good option for you?

If you find yourself in a situation where, after paying for your basic life necessities, you just don’t have enough to satisfy your consumer debts as well, bankruptcy could be a possible option. You should consult a bankruptcy attorney to learn more about your options, as there are many reasons why it may be to your advantage to file at a specific time. An attorney can help you to protect your assets, as well, to the fullest extent permitted under the bankruptcy code. Assets such as retirement accounts, your home, your cars, etc. are all things that could potentially be protected from liquidation. [Read more…]

Will Filing For Bankruptcy Affect My Credit?

2013_09_05This is a common concern for many people who are considering a bankruptcy filing – especially because by the time they are considering bankruptcy, their credit is likely damaged already due to unpaid bills, collection agencies reporting to the credit bureaus, high income-to-debt ratios, lawsuits and other financial issues. If your credit is already bad, will filing for bankruptcy make it worse?

A bankruptcy filing, just like a foreclosure and lawsuit judgment, does go on your credit report, and will be there for 10 years although the more time passes the less relevance, and thus negative effect, it has.  An initial drop in credit rating will most likely occur when the case is filed, however our experience after representing thousands of clients tells us that filing for bankruptcy can actually lead to a better credit rating. Yes, you read that correctly – filing for bankruptcy really can IMPROVE your credit rating! [Read more…]

Facing Foreclosure? Bankruptcy Could Help!

Facing Foreclosure? Bankruptcy Could Help! Contact Bohikian LawYou’ve been laid off, or recently faced a medical issue, or had a family emergency – and now funds are tight. You may have missed the mortgage payment a couple of months in a row, and now the bank is threatening you with foreclosure – and you just don’t have the cash on hand to catch back up. Does this sound eerily familiar?

This is a story we hear often – and what many people don’t know is that for situations where you are behind due to a short-term life event (unpaid maternity leave, illness, layoff, etc), filing a Chapter 13 Bankruptcy could stop that foreclosure, protect your assets and help you get back on your financial feet. [Read more…]

Protect your Assets through Bankruptcy

Protect your Assets through BankruptcyIt is a question we hear every day – “If I file for bankruptcy, will I lose my property?” Many people who are faced with difficult financial situations worry that going through a bankruptcy means that they will have to lose their house, their car, or other assets. This is a common worry – with an easy solution! Bankruptcy allows you to protect most of (not all of) your assets, like your home, car, etc., while completely eliminating or bringing your debt down to a manageable level.

The bankruptcy code is set up to make bankruptcy a viable and usable tool for people who have run out of options regarding their debts – and in many cases, we see people who have liquidated many of their assets in an attempt to settle or pay down their debt unsuccessfully. Filing for bankruptcy can help relieve the debt strain without requiring total liquidation of your assets. [Read more…]

Free Initial Consultation

callusBohikian Law offers you a FREE Initial Consultation! We will sit down and go over your situation and the details with you. We will help you look at your monthly expenses, debt totals, assets, sources and amounts of income, and will help you to determine what your options are. Initial consultations are done either over the phone or in person – whichever is more convenient for you!

We will help you to determine whether you qualify for bankruptcy, and if so, whether it would be better to file Chapter 7 or Chapter 13, given your unique circumstances. If you qualify and decide to file a bankruptcy, we are there for you every step of the way! We will help to file all of the necessary paperwork, we will stop the creditor harassment, and we will keep your rights protected – including making sure that you keep all of the assets you are allowed to by law.

Through the bankruptcy process, you will never feel alone – we are your advocates the whole time! Night and weekend appointments are available to make this process as convenient as possible for you. You can sleep easy, knowing that you are getting the capable, personal attention that you need (and deserve!) while your financial situation is being resolved.

Local Bankruptcy Law Firm

stopstressingWe know that legal financial issues can be incredibly stressful – that is why Bohikian Law work hard to put your mind at ease as soon as you contact us. We give you the time and personal attention that it takes for you to have peace of mind. You can relax – we will help!

If you’re facing a lawsuit, foreclosure, garnishment, repossession  or bank account seizure, call us today! We can help you settle your debts and stop the harassing phone calls from your creditors. We can even help with mortgage modification and short sales!

If you are looking for legal debt help, contact us today for a free consultation! Our bankruptcy attorneys will meet with you, either over the phone or in person – whichever is more convenient for you – so that you can ask us your questions, share the details of your unique situation, and learn about your options! During the bankruptcy analysis, our attorneys will help to review your income, expenses, and qualifications for filing Chapter 7 or Chapter 13 bankruptcy.

Your Questions – Answered!

questionsAt Bohikian Law, we know that you have questions – but don’t worry, we have the answers you need! From FAQs and their answers, to Common Bankruptcy Myths, we can take the guesswork out of the bankruptcy process. This does not have to be a stressful time, we can help to calm your fears, stop the harassing calls from creditors, and get a fresh start to your financial life!

Contact us today, and schedule your free consultation. We can meet either on the phone or in person, and help you to figure out your bankruptcy options! We will help you to know your options – and to feel comfortable and informed about the decisions you are making. You are not alone through the bankruptcy process – we are here every step of the way!