Bankruptcy Attorney in Michigan  

Walter A. Metzen, Detroit  Bankruptcy Attorney   

Bankruptcy Attorney in Michigan

Board Certified Consumer Bankruptcy Specialist

American Board of Bankruptcy Certification



If you or someone you know in Detroit, Michigan or within the surrounding cities and counties of Michigan, needs debt consolidation legal counsel or the assistance of an experienced bankruptcy lawyer, contact the Bankruptcy Law Office of Walter Metzen and Associates, today, at 800-398-3328, or use the contact form provided on this site to schedule a consultation with an experienced Michigan debt-relief lawyer.

  • Michigan Student Loans and Tax Debt Lawyers

    Are you unable to keep up with your student loans? Are you in trouble with the IRS for your tax debt? Have you built up more debt as you try and pay off your student loans and taxes? You have options, and at Michigan Bankruptcy Lawyers in Detroit, Michigan we can help you take the steps necessary to pay off your debt. The burden of taxes and federal student loans may seem like too much to bear, but we can help.

    Call today to get the debt relief you deserve.
    Walter A. Metzen & Associates • (313) 962-4656

    Taxes and student loans are non-dischargeable government debts. No matter how much trouble you are in, you cannot eliminate these debts by filing for bankruptcy. However, that does not mean that bankruptcy can't help you pay off your taxes and government student loans. By filing for Chapter 7 or Chapter 13 bankruptcy, you can take care of your other debts, which will free up money for you to take care of your tax debt and student loans. Chapter 13 bankruptcy sets up a payment plan for you to pay your outstanding debt after you take care of your monthly expenses, which would include your student loans and taxes.

    Contact Us

    You can't discharge your taxes and student loans, but you can find creative solutions to help pay them back. By talking to an experienced bankruptcy attorney, you can start working towards the debt relief you deserve. At the Bankruptcy Law Offices of Walter Metzen & Associates, we can help. Contact us today for an initial consultation. Toll Free: 888-4WALTER or 313-962-4656

    We are a debt relief agency. We help people file for debt relief under the Bankruptcy Code.

    Understanding Chapter 13 Bankruptcy

    Have you done everything to try and pay off your debt? Are you tired of robbing Peter to pay Paul? Are you looking for a way to stop foreclosure and keep your house, car and other assets? Chapter 13 bankruptcy may be right for you. By filing for Chapter 13 bankruptcy you can stop harassing phone calls from creditors, stop foreclosure, and enter a fair and manageable payment plan for your debt. At the Detroit, Michigan Bankruptcy offices of Walter Metzen and Associates, we can answer your questions about Michigan Chapter 13 bankruptcy today.

    Call today to get the debt relief you deserve.
    Walter A. Metzen & Associates • (313) 962-4656

    It is important to know what you can expect from the Chapter 13 bankruptcy process. After you file for Chapter 13 bankruptcy, you will have to attend a meeting of the creditors six weeks later. This will be followed by one more mandatory court date, which is a confirmation hearing with a judge.

    You will then be entered into a debt repayment plan that will last between three and five years. The payments you make will be based on the amount of debt, not how much you make.  You will make payments every 30 days, for the length of the plan.

    Advantages of Chapter 13 Bankruptcy

    Chapter 13 bankruptcy is a great way to retain your assets while paying off your debt. By reorganizing your secure and unsecured debt into one payment plan, you can stop harassment from creditors, make payments you can afford, and keep your home. When the plan ends, your debt will be completely discharged in most cases.

    Important Bankruptcy Information

    There is certain information we must evaluate in order to help you file for bankruptcy. If you are considering Chapter 13 bankruptcy, you should start thinking about organizing this information. The sooner we get it, the sooner we can help you get the debt relief you deserve:

    • Driver’s license, social security card
    • Two years' filed tax returns (most currently filed return and last return filed prior to that)
    • Six months of previous payroll and pay stubs
    • Six months of bank statements prior to visiting our office, to include every bank/investment statement you have any interest in
    • Tax assessment of your real property
    • All of your bills – medical bills, credit card bills, etc.
    • Judgments and pending lawsuits against you
    • Any information of lawsuits you are pursuing
    • Vehicle information and proof of insurance


  •   Driver's License or State ID & Social Security card
  •   Pay Stubs for the past 2 months
  •   Copies of all Bills, Summons or Judgments against you by creditors
  •    Divorce Judgments or Decrees
  •   Real Estate Documents, Deeds, Recorded Mortgages, mortgage balance statements
  •   Property Tax Bills (SEV)
  •   Bank Statements for 3 months
  •   Recorded Mortgage and Deed
  •   Car Titles
  •   Income Tax Returns & W2 forms
    for the last 2 years