Since the new Bankruptcy Reform Act went into effect on October 16, 2005, the Debt Relief Law Center has stayed totally current on the most recent changes.  We are still one of the top filers in this District under the new law as well.  Contrary to what you may have read or heard about from the media, most people are NOT prohibited from filing bankruptcy under the new law.  First, all new filers must first obtain credit counseling - a service our office provides as part of your fee, through Consumer Credit Counseling.  You do not even need to go to another office for this service.  Second, the new law prohibits "high" income filers from filing Chapter 7, except these new income standards are so high that most consumers are well below the maximum income allowed.  For example, a family of four would need to have income of more than $74,863 per year before this new "test" even came into consideration.  Even if your family made more income than this amount, Chapter 13 still remains a viable option.

 Debt Relief Law Center
Roger Bus
 
 

YES! Our office is now FULLY OPEN. We ARE also able to complete your FREE informational bankruptcy interview over the phone if you prefer, you do not need to personally come in unless you would prefer to do so. Please call us at 269-342-1116, we will be happy to take your call now and answer any questions you may have. If after hours, please leave a detailed phone message and we will get back to you the next business day. Stay Well! Additional contact information is given below- we are the #1 filer of consumer bankruptcy cases in the Western District of Michigan. We are locally owned with direct personal experienced legal representation in bankruptcy court since 1983- we do all the paperwork for you.

Again, you can make an appointment NOW to come directly to our office. Or, if you prefer, feel free to set up a confidential phone interview instead. Call Roger Bus at 269-342-1116.

 

Free Initial Interview - Call (269) 342-1116

Fax Us at: (269) 342-1801

We are a debt relief agency.  We help people file

for bankruptcy relief under the Bankruptcy Code.
Roger Bus offers personalized, experienced bankruptcy representation for a lower fee than most other firms in S.W. Michigan.

"I have filed over 8,000 Bankruptcy Cases."

Practicing Law Since 1979

Chapter 7 bankruptcies are most often used to discharge credit card debt and medical bills.  If the individual owns a house or car that has money owed on it, then the individual decides whether to "reaffirm" debt by continuing to pay for the secured item or "reject" the debt by giving up the secured property.  In a house situation, for example, one can "reject" the real estate, and then often take up to 7 months to move out (without making house payments in the meantime). Or an individual or family can decide to keep their residence through bankruptcy by continuing to make their ongoing payments on the property.  There were over 2 million bankruptcies filed in the United States in 2005.

Chapter 13 bill repayment plans are often used by individuals to SAVE their homes and cars from foreclosure and repossession.  These 13 plans that are filed usually force the creditors to be paid back over time with little or no interest, no late fees and give the filer up to 60 months to pay back their debts.  In the Western District of Michigan, the Chapter 13 Trustee operating out of Kalamazoo is literally handling thousands of such attorney prepared and filed repayment plans currently, including hundreds filed through our office.
What makes the Roger Bus bankruptcy office different?
1. Attorney Roger Bus can be contacted day or night on his cell phone: 269-217-2968 to answer your questions. You can also reach him at his office, it is open evenings and Saturdays- you can come in based on your available schedule, no reason for you to take time off from work. Contact info located here.  All our interviews are free, Roger takes the time to personally give you at no charge or obligation all the information you need to know about bankruptcy, complete with helpful written materials for you to review later at home.

2. We are the #1 filer of consumer bankruptcies in SW Michigan, thousands of cases ahead of our nearest competitor. My attorney fees are often hundreds of dollars LESS than what other law firms charge, most of our cases are referred to Roger Bus are by positive word of mouth. Chapter 7 bankruptcies and Chapter 13 bill repayment plans are the only form of law that I have practiced for 30 years.  Our low price can save you hundreds in attorney fees, and you will receive personal, experienced representation by the same attorney Roger Bus from beginning to end!

3. We have been in the same building location in Kalamazoo since 1983. Roger is third generation of the Bus family that has lived within 1 mile of his current office location. All your forms are personally prepared in front of you by attorney Roger Bus, who has filed more bankruptcy cases than any other attorney in the Western District of Michigan. We do not use paralegals or hire outside attorneys to prepare your case. Our office staffer Elaine has been with us for over 27 years. Roger handles personally all cases and court appearances, he does not "farm  out" or turn over your files to other attorneys to represent you at any stage. You are not meeting the attorney handling your first meeting of creditors for the first time only a few minutes before your bankruptcy hearing!

4. We are located right here in Kalamazoo- we are not based out of Grand Rapids, Detroit or Chicago- Roger Bus personally handles ALL the cases filed from beginning to end- you do not have multiple persons reviewing your file. We have a real physical Kalamazoo office that is open 6 days a week that you can stop by at, we are not just open part-time, or in a rental space, or available only online to whoever may respond to you.

5. We represent clients anywhere in the Western District of Michigan: including (but not limited to): Kalamazoo, VanBuren, Calhoun, St. Joseph, Allegan, Cass, Hillsdale, Ingham, Barry, Branch, Kent and Berrien Counties. I attend all my bankruptcy hearings held for these counties, my office is located not too far from the court itself (e.g. there are no extra attorney travel charges for any clients living in these counties).

6. Our Chapter 7 cases are done on a LOWER "flat fee" basis. This entitles you to unlimited phone calls and interviews with our office with NO future fee contracts to sign obligating you to pay more for extra phone calls, meetings, review of any reaffirmations received, your getting a complete and detailed copy of your entire case, ongoing file work, etc.. No nickel and diming you after a "retainer" is used up, no later attorney fees to be charged for routine services, plus all your questions throughout are handled personally by experienced and available to you consumer bankruptcy attorney Roger Bus.

Roger Bus of BusForBankruptcy.com is #1 consumer bankruptcy case filer in the entire Western District of Michigan since 1983 for good reason!