Asked in Bankruptcy for Michigan

Q: Got layed off March 19, 2020. On March 20, a debt collector took all the money from bank account, I have no money left.

The money that was in my account was to file bankruptcy, all the courthouses are closed to the public due to the Coronavirus. Everything I had was in my account, now I have no money for rent, food, my car. Is there any way to fight this during a national emergency?

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5 Lawyer Answers
Robert Keyes
Robert Keyes
Answered
  • Bankruptcy Lawyer
  • Ypsilanti, MI
  • Licensed in Michigan

A: You can still file a bankruptcy. Bankruptcy courts are still operating electronically.

Andrew M Steiger agrees with this answer

1 user found this answer helpful

Trent Harris
Trent Harris
Answered
  • Bankruptcy Lawyer
  • Jackson, MI
  • Licensed in Michigan

A: If the money taken was more than $600, you can get that back in a bankruptcy case if you file within 90 days. It's called a preferential transfer, and it can be recovered in the bankruptcy case. For more information, consult with a bankruptcy attorney in your area.

Andrew M Steiger agrees with this answer

1 user found this answer helpful

Thomas. R. Morris
Thomas. R. Morris
Answered
  • Bankruptcy Lawyer
  • Farmington Hills, MI
  • Licensed in Michigan

A: The bankruptcy courts are not closed for case filings.

You might find an attorney who will file with no money down, or you can file yourself. You can apply for a waiver of the filing fee.

1 user found this answer helpful

Andrew M Steiger
Andrew M Steiger
Answered
  • Bankruptcy Lawyer
  • Grosse Pointe, MI
  • Licensed in Michigan

A: There is also the possibility to have the fee either waived or paid in installments, especially if part or all of the garnished bank account will come back to the bankruptcy estate. There are attorneys who will start a bankruptcy filing for a low down payment.

1 user found this answer helpful

Timothy Denison
Timothy Denison
Answered
  • Bankruptcy Lawyer
  • Louisville, KY

A: You can file bankruptcy during the covid-19 emergency.

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