Wolfson Bolton Kochis assists individuals and families navigating serious financial challenges through compassionate, strategic, and effective consumer bankruptcy counsel. Our Consumer Bankruptcy practice is led by Michelle H. Bass, who works closely with clients facing job loss, medical expenses, business failure, credit-card debt, mortgage arrears, or other unexpected life events.
Bankruptcy is often a tool that provides immediate relief, protects essential assets, and creates a path toward financial stability and long-term recovery. Our attorneys help clients understand their options under Chapter 7 and Chapter 13 of the Bankruptcy Code, providing clear explanations, realistic expectations, and practical guidance at every stage of the process. From eligibility analysis to filing to creditor communication, we ensure clients feel supported, informed, and respected throughout their case.
Clients choose our Consumer Bankruptcy team because we combine legal experience with empathy and a commitment to helping people regain control of their financial lives.
Bankruptcy is not just a legal issue; it affects personal well-being, family stability, and future planning. We take the time to understand each client’s circumstances and tailor solutions that provide meaningful, lasting relief.
Our attorneys explain the process in plain language, outline realistic outcomes, and help clients make informed decisions with confidence.
Our consumer bankruptcy practice benefits from the firm’s experience in corporate restructuring and bankruptcy, creditor negotiations, and financial disputes.
This broader perspective helps us anticipate creditor behavior and resolve issues efficiently.
Chapter 7 bankruptcy is often the most appropriate option for individuals seeking a fresh financial start. It allows eligible debtors to discharge most unsecured debts and move forward with reduced financial burden.
We assist clients with:
Most Chapter 7 cases conclude within a few months, allowing clients to begin rebuilding credit sooner.
Chapter 13 may be appropriate for individuals with steady income who want to restructure debt, stop foreclosure, or protect valuable assets. We help clients develop repayment plans that are manageable, compliant, and designed to support long-term financial stability.
Our Chapter 13 representation includes:
We work closely with clients throughout the repayment period to help them complete their plans successfully.
Filing for bankruptcy triggers an automatic stay, which can immediately stop aggressive creditor actions. We act quickly to ensure these protections take effect.
We assist with:
Our goal is to help clients regain breathing room while stabilizing their financial situation.
A successful bankruptcy filing is the beginning of financial recovery—not the end. We help clients understand how to rebuild credit and make informed financial decisions after their case concludes.
We provide guidance on:
We want clients to leave the process with confidence and a clear plan for the future.
We represent:
Our clients come from a wide range of industries, including manufacturing, healthcare, education, logistics, and professional services.
Not always. We discuss alternatives and help clients choose the best path forward.
That depends on income, assets, debt type, and goals. We help clients evaluate all available options.
Often no. Bankruptcy exemptions and repayment plans frequently allow clients to keep essential property.
Yes. Filing bankruptcy immediately triggers an automatic stay that halts most collection actions.
Typically 7–10 years, but many clients begin rebuilding credit within 1–3 years.
If you are facing financial hardship and need guidance on rebuilding your financial future, our Consumer Bankruptcy team is here to help.
Contact our Consumer Bankruptcy practice or connect with Michelle H. Bass to discuss your options and take the first step toward financial stability.
PRACTICE LEAD – Consumer Bankruptcy
Michelle helps individuals, families, business owners, and creditors navigate consumer bankruptcy matters with practical, results-driven guidance. As an American Board Certified Consumer Bankruptcy Attorney, she works with clients facing complex financial challenges.
Serving Metro Detroit & Southeastern Michigan
Serving Northern Michigan & the Upper Peninsula