The Law Office of Nancy Neal Joyce is located in Livonia, Michigan and serves the greater Detroit metropolitan area. We are a "boutique" law firm that focuses on Chapter 7 and Chapter 13 bankruptcy as well as non-bankruptcy solutions to overwhelming debt burdens. We provide zealous, compassionate representation to clients who are burdened with unmanageable personal or business debts.
At Law Office of Nancy Neal Joyce, we pride ourselves on aggressive, innovative representation combined with focused attention to detail. Our founding partner, Nancy Neal Joyce, has built over 20 years of solid experience representing clients in Livonia, Detroit and surrounding areas. Nancy founded our firm back in 1999, and she has been building up the firm’s comprehensive areas of practice ever since. We maintain the highest standards of professional ethics on behalf of our clients. Our practice can be divided into three main practice areas: Chapter 7 bankruptcy, Chapter 13 bankruptcy, and non-bankruptcy solutions.
Chapter 7 Bankruptcy
Chapter 7 bankruptcy is designed for debtors with the most serious debt burdens. In a Chapter 7 bankruptcy, your assets will be sold to pay your creditors, unless they have been declared exempt under federal or Michigan state law. Fortunately, both federal and state law provide lists of certain property that Chapter 7 debtors can protect even after filing for bankruptcy. This property includes a certain amount of equity in your residence and personal automobile as well as your work tools, your home furnishings and appliances, and your wages. We can stop all collection activity, including wage garnishment and lawsuits, as soon as your bankruptcy petition is accepted. Your creditors will even be legally barred from calling you. At the end of the bankruptcy process you will receive a complete discharge of all eligible debts, and you will never have to worry about them again.
Chapter 13 Bankruptcy
Chapter 13 bankruptcy is designed for debtors whose income is high enough to allow them to pay a percentage of their debts within three to five years after their initial bankruptcy filing. As with Chapter 7, all creditor debt collection activity must stop the moment your bankruptcy petition is accepted. Even if the court refuses to accept your Chapter 7 petition, you might remain eligible for bankruptcy under Chapter 13. In many cases, there will be no need to sell any of your property. We will work with you to create a debt repayment plan to submit to the court. It will be the court, not your creditors, that has the authority to accept or reject your repayment plan. Once you have finished paying your installments under the plan, you will receive a discharge of any portion of these debts that haven’t already been paid.
Non-Bankruptcy Solutions
You might be ineligible for bankruptcy for certain reasons, such as a high income or a previous bankruptcy. Even if you are eligible, bankruptcy might not be the right course of action – your debts may be "non-dischargeable," for example, or you may simply want to avoid a bankruptcy blemish on your credit record. Fortunately, bankruptcy isn’t the only possible debt solution. You might seek voluntary renegotiation of your debt terms with creditors, for example, or apply for a mortgage refinancing. A skilled attorney can win concessions from creditors that might otherwise be unavailable to you.
Call Attorney Nancy Neal Joyce Today
The Law Office of Nancy Neal Joyce can help you devise a debt solution that will have you on your way to a fresh start. Call our Livonia, Michigan office at (734) 427-7772 to speak with attorney Nancy Neal Joyce today. Our initial consultation is always 100% free of charge.
