I focus on consumer bankruptcy issues included, but not limited to, stopping home foreclosures, eliminating credit card/medical debt, unsecured debt; to eliminate second mortgages, small business bankruptcy issues, loan modifications, and most other consumer bankruptcy related issues.
Attorney Sefcovic, P.C. was founded in 1985. In 1985, I did general practice law. I soon decided that it was best to become an expert in one or two areas of the law. By 1990 my practice was bankruptcy four days a week and labor law one day a week. In the labor law area, I was an administrative law judge (hearings officer) for the state unemployment agency and arbitrator for both the American Arbitration Association and The Michigan Employer Commission. In the bankruptcy area, I did Chapter 7's, 13's and 11's, usually representing debtors. In 2005, I narrowed the practice to only Chapter 7 & 13 consumer bankruptcy cases only.
A couple built their life together based on two incomes. Somehow, one of them lost their income overnight. But they still had all the medical bills, credit cards, a house payment, and two car payments.
After the Chapter 7 Bankruptcy: The harassing phone calls and law suits ended, the credit cards and medical payments were gone, and they could afford their house payment and car payments.
My clients (a husband and wife with children) were facing foreclosure. They owed on their first and second mortgage and also had credit cards.
After the Chapter 13 Bankruptcy: I stripped off the second mortgage and the credit cards. That left the clients with their house and just the first mortgage payment.
306 Fifth Street
Bay City MI 48708
I offer a free initial consultation for up to an hour.
Fixed-price fees and payment plans are available, Chapter 7 attorney fees are $1,500. Attorney fees are reduced for clients below the Poverty Guidelines and for NOLO clients. Chapter 13 filing fees are set at $400 for a single case and Chapter 13 fees for a joint case are set at $475, and attorney fees in a Chapter 13 are usually set by the judge and paid out of the debtor's payments to the court.
Monday through Friday
9:00 a.m. to 5:00 p.m.
I've always been interested in business. I was president of two junior achievement companies and my major in college was economics. Math taxation and bankruptcy were just a natural for me. While I do some tax law, bankruptcy has grown to be larger.
I encourage my clients to educate themselves on legal issues related to their bankruptcy and I actually provide some of this information to my clients through my website. However, we do encourage our clients to consult with an attorney in the office before making a decision which may impact their bankruptcy.
This happens rarely simply for the fact that bankruptcy law is so complicated. More routinely I review letters or provide advice to clients who drafted letters in response to creditor harassment.
I do not recommend that clients represent themselves in such a complex area of law such as bankruptcy because their errors would result in negative consequences to their financial future.
From 1975 to 1985, I was the county attorney for Bay County, Michigan, Assistance Corporation Council for Genesee County Michigan, and the city attorney for Bay City, Michigan.
Prior to becoming an attorney, I was a social worker at the Detroit Urban League and a sixth grade public school teacher.
PEACE CORPS, the Urban League, and teaching in a poor rural community all helped me to listen to and respect all. My parents in their youth were migrants farm workers; they showed me that the path to success is paved with hard work, honesty and perseverance.
I only do consumer bankruptcy and related problems as part of the National Association of Consumer Bankruptcy Attorneys. I am part of a list of over 2,000 consumer bankruptcy attorneys nationwide.Personal interests:
Cooking, I am currently working on my second cook book. I also enjoy camping and cross country skiing with my wife and two daughters.
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