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Posted:
March 29, 2012
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Top Ten Bankruptcy Mistakes: Bankruptcy Misconduct

TOP TEN BANKRUPTCY MISTAKES

 

      #7

             Bankruptcy Misconduct

 

In earlier postings it has been discussed that bankruptcy relief is available to the honest debtor. In a recent unpublished case by the Sixth Circuit Court of Appeals this concept was illustrated. The debtor, a businessman obtained significant loans based upon personal financial statements which were untrue. The Bankruptcy Court denied discharge, as to the defrauded creditor, and the Court of Appeals affirmed (agreed with) that decision. The Court of Appeals analysis, in part, follows:

    The principal purpose of the Bankruptcy Code is to afford a “fresh start” to the “honest but unfortunate debtor.” Grogan v. Garner, 498 U.S. 279, 286-87 (1991). The discharge of prepetition debts provided under § 727(b) and the discharge injunction of § 524(a) effectuate the debtor’s fresh start. See Green v. Welsh, 956 F.2d 30, 33 (3d Cir. 1992).

    (“The protection afforded by the discharge injunction… furthers one of the primary purposes of the Bankruptcy Code – that the debtor have the opportunity to make a financial fresh start.”). Some debts, however, are “nondischargeable,” such that the debtor’s liability continues even after emerging  from bankruptcy protection. Section 523 of the Bankruptcy Code specifies these exceptions, which include, among others, debt obtained through fraud. Section 523(a)(2)(B) addresses debt obtained by certain false statements in writing.

    For a debt to be nondischargeable under § 523(a)(2)(B), four conditions must be met: the debtor must have sought “money, property, services, or an extension, renewal, or refinancing of credit” by use of a writing (1) “that is materially false;” (2) concerning “the debtor’s or an insider’s financial condition;” (3) “on which the creditor… reasonably relied; and” (4) “that the debtor caused to be made or published with intent to deceive…” 11 U.S.C. § 523(a)(2).

Make sure to discuss with your attorney candidly any skeletons which may be in your closet. In the attorney-client relationship all conversations are privileged and confidential. Your attorney can not effectively counsel or represent you when you are not forth coming with all information, pro and con. There are other kinds of misconduct that may also result in denial of a discharge for obtained debt.

 

[Guy Vining, a bankruptcy attorney, in metro-Detroit, maintains his office in Taylor, Michigan, where he serves the downriver communities of Monroe, South Rockwood, Gibraltar, Brownstown Township, Grosse Ile, Woodhaven, Trenton, Southgate, Riverview, Allen Park, Lincoln Park, Dearborn, Dearborn Heights, Westland, Wayne, and Ecorse. If you or a family member of friend would like a no-obligation no cost consultation/financial analysis, just call or E-mail Guy Vining of Vining Law Group, P.L.C to schedule a meeting.]

 

Posted:
March 27, 2012
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Top Ten Bankruptcy Mistakes: Transfers to Friends

TOP TEN BANKRUPTCY MISTAKES

 

#6
Transfers to Friends

In keeping with the Bankruptcy Code’s theme of statutory fairness a Trustee in bankruptcy can avoid fraudulent transfers made by a debtor within one year of when the bankruptcy case is commenced. Therefore, the debtor may not transfer for nothing at all or for less than reasonably equivalent or fair value, his property.

These situations generally arise in two contexts. In the first situation a debtor sometimes tries to keep property out of the reach of his creditors or the Trustee and make a transfer before filing the case. The second situation usually arises in the context of business bankruptcies where the transfer renders the debtor unable to pay bills or with unusually small working capital.

In either situation one can see how such transfers are unfair to other creditors who have advanced money in good faith. Thus, 11 USC 548 allows the Trustee go after and recover such transfers, if they are made within the actual fraudulent intent to hinder, delay or defraud creditors; or, are made with constructive or imputed fraudulent intent while the debtor is in financial distress.

In addition, in states like Michigan, which have their own Fraudulent Conveyance Act (MCL 566.11) the Trustee may use the state statute too as a recovery vehicle pursuant to 11 USC 544(b), if unsecured creditors of the debtor could have used the provision for recovery under state law.

Transfers that are unwound or recovered then benefit all administrative claims and creditors of the estate.

[Guy Vining, a bankruptcy attorney, in metro-Detroit, maintains his office in Taylor, Michigan, where he serves the downriver communities of Monroe, South Rockwood, Gibraltar, Brownstown Township, Grosse Ile, Woodhaven, Trenton, Southgate, Riverview, Allen Park, Lincoln Park, Dearborn, Dearborn Heights, Westland, Wayne, and Ecorse. If you or a family member of friend would like a no-obligation no cost consultation/financial analysis, just call or E-mail Guy Vining of Vining Law Group, P.L.C to schedule a meeting.]

 

Posted:
March 27, 2012
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Top Ten Bankruptcy Mistakes: Payments to Friends

TOP TEN BANKRUPTCY MISTAKES

 

#5
Payments to Friends

As discussed in other postings, the Bankruptcy Code is a type of statutory equity. The concept of equity is basically to do what is right and fair to all of the interested parties to a proceeding in bankruptcy. The Bankruptcy Code has several enforcement mechanisms to make sure that everyone is treated fairly.

One of these mechanisms is the power afforded to the Trustee to set aside unfair payments or transfers. When a bankruptcy case is filed all of your property becomes a part of the bankruptcy estate. 11 USC 541. The estate is appointed a Trustee by the Court. It is the duty of the Trustee to investigate the financial affairs of each debtor and to represent the estate for the best interests of all creditors.

To operate effectively the Trustee is given certain tools under the Bankruptcy Code. Among these is the power to go after and recover from third-parties preferential transfers that the debtor made before the bankruptcy. Specifically, 11 USC 547(b) allows the Trustee to recover property for the benefit of the bankruptcy estate and all creditors from a creditor who received a payment, or amount of a past indebtedness, when the debtor was insolvent, within 90 days before the filing, which allowed that creditor to receive more than it would have received as a distribution from the estate.

Thus, the money received by a creditor, out of turn or in preference, to others can be ordered turned over to the Trustee by the Judge. This is done so that all administrative and creditor claims are treated fairly.

[Guy Vining, a bankruptcy attorney, in metro-Detroit, maintains his office in Taylor, Michigan, where he serves the downriver communities of Monroe, South Rockwood, Gibraltar, Brownstown Township, Grosse Ile, Woodhaven, Trenton, Southgate, Riverview, Allen Park, Lincoln Park, Dearborn, Dearborn Heights, Westland, Wayne, and Ecorse. If you or a family member of friend would like a no-obligation no cost consultation/financial analysis, just call or E-mail Guy Vining of Vining Law Group, P.L.C to schedule a meeting.]

 

Posted:
March 19, 2012
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Top Ten Bankruptcy Mistakes: Payment from Exempt Assets

TOP TEN BANKRUPTCY MISTAKES

# 4

Paying from Exempt Assets

The Bankruptcy Code in keeping with equitable treatment of creditors and fresh start considerations for debtors provides a comprehensive set of exemptions. Exemptions in Michigan are also provided under state laws so that the debtor may choose that set — either Federal or State — which are the most favorable.

Upon the filing of a petition in bankruptcy, 11 USC 541 states that all of the debtor’s property – legal or equitable – and wherever situated, becomes the property of the estate. The exemptions determine what property a debtor may keep for his fresh start. It is therefore critical to determine, based in the facts of each case, which set of exemptions to choose and whether the filing may proceed or should be delayed.

Competent advice on these issues is essential. When debts start to appear overwhelming get immediate advice. Otherwise, you may with good intentions hurt your family by paying dischargeable bills from exempt assets, which you could otherwise keep. For instance, it may be foolish to borrow from your 401-K (an exempt asset), with tax penalties, and use the money to pay a bill which could be eliminated by a Chapter 7 discharge. Before you make a major mistake make sure to talk to a bankruptcy lawyer so that your family is best protected.

[Guy Vining, a bankruptcy attorney, in metro-Detroit, maintains his office in Taylor, Michigan, where he serves the downriver communities of Monroe, South Rockwood, Gibraltar, Brownstown Township, Grosse Ile, Woodhaven, Trenton, Southgate, Riverview, Allen Park, Lincoln Park, Dearborn, Dearborn Heights, Westland, Wayne, and Ecorse. If you or a family member of friend would like a no-obligation no cost consultation/financial analysis, just call or E-mail Guy Vining of Vining Law Group, P.L.C to schedule a meeting.]

 

Posted:
March 5, 2012
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Top Ten Bankruptcy Mistakes: Continuing to use your Credit Card

TOP TEN BANKRUPTCY MISTAKES

#3
Continuing to use Credit Cards

The Bankruptcy Code is designed to give the honest debtor a second chance and to treat all creditors in a fair and uniform manner. One problem which arises is the situation where the debtor continues to use credit a short time before filing a bankruptcy. Under such circumstances it can be argued that this is abusive to a particular creditor.

Therefore, certain consumer debts and cash advances incurred at 90 and 70 days, respectively, before filing maybe deemed to non-dischargeable. The ultimate goal of bankruptcy is discharge of debts and so non-dischargability is to be avoided. In addition, to the non-dischargeable aspect of these items it can also create a great deal of additional legal expenses to you. That is because a creditor’s claim for non-dischargability will likely require a response from your legal counsel and additional charges will apply.

A Debtor does have a defense that if the goods and services acquired were “reasonably necessary for the support and maintenance of the debtor or a dependent of the debtor” that they are still dischargeable. However, all of this takes time and money to argue.

As a rule therefore, put those credit cards away at least 90 days before filing your case. Otherwise, you may be in for an objection to your discharge and a finding by a judge of non-dischargeability. Even if the survive these allegations you will be incurring a great deal of needless expense.

[Guy Vining, a bankruptcy attorney, in metro-Detroit, maintains his office in Taylor, Michigan where he serves the downriver communities of Monroe, South Rockwood, Gibraltar, Brownstown Township, Grosse Ile, Woodhaven, Trenton, Southgate, Riverview, Allen Park, Lincoln Park, Dearborn, Dearborn Heights, Westland, Wayne, and Ecorse. If you or a family member of friend would like a no-obligation no cost consultation/financial analysis, just call or E-mail Guy Vining of Vining Law Group, P.L.C to schedule a meeting.]

Posted:
February 23, 2012
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Top Ten Bankruptcy Mistakes: Borrowing from Friends

       TOP TEN BANKRUPTCY MISTAKES

   #2

 Borrowing From Friends

 

    If you are in serious financial difficulty it ordinarily results from credit card and other non-secured debt that you can not pay. In a consumer bankruptcy, whether Chapter 7 or Chapter 13, all of the unsecured debt can ordinarily be discharged or reduced and paid off over an extended time for a fraction of the debt

Borrowing from friends or family to keep from filing a bankruptcy will usually amount to throwing “good money after bad.” If you are unable to keep up with your credit card and other debt then how can you hope to repay the family member or your friend?

The Bankruptcy Code and Bankruptcy Rules set forth a complex set of requirements for the equitable treatment of all parties in a bankruptcy. Bankruptcy Rule 1007(a)(1) requires that you list all creditors in your bankruptcy case – even family and friends. All creditors must be treated equally with respect to distributions of property, if any.

Why burden a loved one with your financial situation and possibly lose a friend or create family tension? Moreover, if a loan might help then why not seek professional help to see if the loan can be secured to protect that lender?

Only analysis of your particular situation will be able to determine a prudent course of action. However, in most instances it is better not to put in jeopardy a friend or family member pre-petition. After your other debts are discharged it would be safer for them and more helpful to you to receive a loan.

[Guy Vining, a bankruptcy attorney, in metro-Detroit, maintains his office in Taylor, Michigan where he serves the downriver communities of Monroe, South Rockwood, Gibraltar, Brownstown Township, Grosse Ile, Woodhaven, Trenton, Southgate, Riverview, Allen Park, Lincoln Park, Dearborn, Dearborn Heights, Westland, Wayne, and Ecorse. If you or a family member of friend would like a no-obligation no cost consultation/financial analysis, just call or E-mail Guy Vining of Vining Law Group, P.L.C to schedule a meeting.]

Posted:
February 17, 2012
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Top Ten Bankruptcy Mistakes: Failure to Consult Early

TOP TEN BANKRUPTCY MISTAKES:

 

#1

 

FAILURE TO CONSULT EARLY

     Failure to obtain a quality and independent analysis of your financial situation as soon as you start to experience financial pressure is the worst mistake you can make. Financial pressure can lead to emotional, physical and other social problems which can steal your ability to think and joy of living from your life. Sometimes bankruptcy can help.

 

     When under pressure it is natural to fall into inability to make good choices. It is important in these circumstances to get objective and independent guidance to avoid falling further into financial traps or costly mistakes. Wishful or unrealistic thinking will not save you, no matter how honorable your intentions. Alone and uninformed we are sometimes unable to see the forest because of the trees.

 

    At the Vining Law Group, P.L.C., you will be received and treated in a confidential, dignified and comfortable setting. You will receive a free objective legal analysis of your circumstances and practical options for going forward. The Vining Law Group, P.L.C, provides the initial consultation absolutely free of charge as a service to the public! You can not get a better deal than that. So, why wait and worry? Call today to receive our free information package and to set up an appointment.

 

[Guy Vining, a bankruptcy attorney, in metro-Detroit, maintains his office in Taylor, Michigan where he serves the downriver communities of Monroe, South Rockwood, Gibraltar, Brownstown Township, Grosse Ile, Woodhaven, Trenton, Southgate, Riverview, Allen Park, Lincoln Park, Dearborn, Dearborn Heights, Westland, Wayne, and Ecorse. If you or a family member of friend would like a no-obligation no cost consultation/financial analysis, just call or E-mail Guy Vining of Vining Law Group, P.L.C to schedule a meeting.]

Posted:
July 8, 2010
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Part 3. What to consider in hiring your bankruptcy lawyer

Guy Vining, a bankruptcy attorney, in metro-Detroit, maintains his office in Taylor, Michigan where he serves the local communities of Monroe, South Rockwood, Newport, Carelton, Berlin Township, Hamburg Township, Rockwood, Gibraltar, Brownstown Township, Grosse Ile, Woodhaven, Trenton, Southgate, Riverview, Allen Park, Lincoln Park, Dearborn, Dearborn Heights, Westland, Wyandotte, Wayne, and Ecorse. If you or a family memeber or friend would like a no obligation no cost consultation/financial analysis, just call Guy Vining of Vining Law Group, PLC to schedule a meeting.

In this part 3 of essentials in hiring your bankruptcy attorney or lawyer Guy Vining will futher explain why it is tremendously important to use care in hiring your bankruptcy attorney. As earlier indicated do not be ashamed to actually interview your prospective bankruptcy attorney. Afterall, its your financial life which is at stake and you deserve to have a bankruptcy lawyer who is both knowlegeable and also personable. In other words, legal bankruptcy counsel with whom you can trust to handle your matter in a competent manner and also who you like working with.

6.    At your initial meeting [ or before if you like ] you should be given a number of very important documents and discuss them at least in a general way. Keep in mind that a bankruptcy attorney’s time is precious, as is yours, and so many attorneys do not discuss at an initial meeting everything in great detail but deffer detailed anaylsis or discussion until they are actually retained [ hired ]. At the Vinig Law Group, PLC at every initial conference, however, the prospective client is given a number of important items to help them to assist in preparing their case and thinking through their finances. You should ask any bankruptcy attorney you interview to provide with at least the following items: 527 disclosures, checklist for required documents and detailed questionaire form.

7.    The 527 disclosure forms are actually required by the Bankruptcy Code. In the recent reformation of the Bankruptcy Code the US Congress determined that consumers MUST be give and sign to acknowlege receipt of these forms. These disclosures set forth many of your rights and also your obligations in filing for a bankruptcy. These are very detailed and can not be covered in the brief space of this posting but a few important areas follow. Among other things, the 527 disclosures cover the distinctions between common bankruptcy chapters. These chapters are outlined in a general way, the concept of a discharge in bankruptcy and what it means to you, options avalible other than bankruptcy, the need for absolute accuracy and honesty in the preparation of bankruptcy schedules, proper methods of valuation of property in your individual case and many, many other items are covered. At the Vining Law Group, PLC it is the practice to give out this material whether we are hired or not as it is important information for you to have. Generally, Guy Vining will discuss these items briefly and then if retained will answer any specific questions regarding the 527 disclosures at your second meeting with him. Make sure that you receive a copy of these important disclosures either before or at the time of your first appointment with your bankruptcy lawyer or bankruptcy attorney. They will be invaluable to you in understanding your rights and obligations.

8.    Your bankruptcy attorney should also give you a detailed checklist of what paper work is required from you to file a bankruptcy case. The practice at Vining Law Group, PLC is provide the same free of charge upon the asking or at the first meeting for a no cost consultation. You will find that most bankruptcy attorneys will have their own form of a checklist and will or should provide the same for you at no cost. These materials are essential and I repeat essential. If you file your bankruptcy case without having all the needed paper work your case might become a great deal more expensive as your attorney may need to get involved to obtain the same for you or repeated meetings of creditors may be required. In extreme cases your bankruptcy petition could even be dismissed because under the Bankruptcy Code you have an absolute duty to provide certain information and to cooperate with the trustee that is appointed to administer your estate. Under most circumstances it is the recomendation of the Vining Law Group, PLC that you do not file a bankruptcy petition until all your paper work is in order…why take a chance at something so important? Moreover, thes e documents may become extremely important in determing what your property consists of and what you can exempt [ keep ]. finally, certain documents may need to be anaylzed by your bankruptcy attorney so thet the property can be appropriately classiifed and scheduled on your bankruptcy schedules. Guy Vining will be pleased to discuss with you the documents which are required to successfully complete your bankruptcy.

9.    At your initial, no charge consultation at the Vining Law Group, PLC, its principal, Guy Vining, will also give you a detailed questionaire to complete. We call this your homework and indeed it is not easy for most folks. What’s the expression: no pain, no gain? This ” homework” must be completed as the bankruptcy process is meticulous and a good bankruptcy attorney will not file sloppy or incomplete schedules. Most bankruptcy attorneys will also provide with some document which is similar to help you help the bankruptcy lawyer help you. You see the bankruptcy petition is a series of schedules which identifies you as an individual, accounts for all of your assets, all of your liabilities, determines which items of property you wish to retain [ exempt ] and describes in great detail all of your recent income and financial affairs. Most bankruptcy attorneys have some questionaires avaliable to assist in the preparation of the schedules which need to be filed with the court. If you would like to obtain one to see what is entailed before an initial no cost meeting Guy Vining will be pleased to make the same avaliable to you. If you retain Vining Law Group, PLC, Guy Vining is most pleased to help with areas on the questionaire which you find to be difficult or complicated.

As earlier indicated when choosing your bankruptcy lawyer do not hestitate to ask a lot of questions concerning the bankruptcy attorney’s experience, philosophy of practice and about the tye of attorney client relationship that you can expect. Guy Vining has been a life long resident of the metro-Detroit so-called downriver area and has been of service to hundreds and hundreds of clients in multiple legal areas and has dedicated his professional practice to helping others. If you have any questions please feel free to emai or call Mr. Vining.

Posted:
July 7, 2010
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Part 2. What to consider in hiring your bankruptcy lawyer

Guy Vining, a bankruptcy attorney, in downriver Detroit, maintains his office in Taylor, Michigan where he serves the local communities of Monroe, South Rockwood, Newport, Carleton, Rockwood, Gibraltar, Brownstown Township, Woodhaven, Trenton, Southgate, Riverview, Wyandotte, Allen Park, Lincoln Park, Romulus, Dearborn Heights, Dearborn, Huron Township, Wayne, Westland and Ecorse. If you or a family member or a friend would like a no obligation no cost consultation / financial anaylsis, just call Guy Vining of Vining Law Group, PLC and we will pleased to schedule an appointment at your convenience.

In this part 2 of essentials of hiring your bankruptcy attorney or lawyer Guy Vining will further explain why it is important to select your legal counsel with care for bankruptcy and other matters. While there are literally hundreds of bill boards, yellow page and newspaper adds screaming stop foreclosure, stop garnishment, lowest prices, etc., etc. how do you really choose? How do you know? Is the lowest price really the best deal…and, what is fair value? As we saw in part 1 you must choose your bankruptcy attorney or lawyer with at least the care of purchasing a good suit or pair of shoes! It may take some shopping and an understanding that in the end we only ” get what we pay for ” whether for quality clothing or for legal services. However, since obtaining a discharge, debt relief and a fresh start are so essential to the commencement of the rest of your life Guy Vining respectfully suggests the following:

4.    Your bankruptcy attorney should use at least two fee agreements. At the Vining Law Group, PLC your first visit for an initial consultation is completely without charge. The first fee agreement from your bankruptcy attorney at the Vining Law Group, PLC will verify this. Specifically, the bankruptcy lawyer will sign a statement for your record and his that the first meeting does not create an attorney client relationship and is without any charge to you. This is your oppurtunity to get quality and free advice and to see whether your feel comfortable with the bankruptcy attorney. Afterall, an attorney client relationship is an important relationship which could span a bankruptcy alone or even many, many years. Guy Vining has dozens of clients that have done business with him for many years and have been so satisfied that they have referred many family members and friends for legal assistance.

5.    At the initial meeting all fees, costs and proceedures will be carefully explained to you. If you decide then or later to hire Vining Law Group, PLC as your bankruptcy attorney then a second and more detailed fee agreement will be prepared in writing which will guarentee to you and your family what the standard charges for services are. This document will outline what charges are for filing fee, required credit counseling courses, credit checks, and all standard services from filing to discharge. It is important to Vining Law Group, PLC that not only do you have a clear understanding of these obligations but also that there are no unpleasant financial surprises for you. Afterall, you have already had enough of financial problems!! Is some bankruptcy cases additional non-standard problems arise which your bankruptcy lawyer can not always anticipate. However, during your initial and subsequent interviews your bankruptcy attorney will attempt to guide that process and examine whether there may be some rough spots. If so, they will be discussed and all of your questions answered. The second fee agreement will be prepared to indicated what additional charges for court cost and attorney fees for your bankruptcy lawyer will be if such problems do occur.

When calling a prospective bankruptcy attorney or lawyer do not be shy. It is your case and your financial future. Make sure that you find out what their policies are in relation to attorney fees and other costs. Do they provide two written fee agreements for your protection as a consumer? Do they provide an initial consultation without a charge? In addition, make sure that during your initial conference that you discuss whether there are unusual features of your case which may require additional work for the bankruptcy attorney. If there may be additional work for the bankruptcy lawyer then get a clear understanding in wiriting of what the related charges will be. If you have any questions at all please free to contact bankruptcy attorney, Guy Vining

Posted:
July 7, 2010
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Part 1. What to consider in hiring your bankruptcy attorney

Guy Vining, a bankruptcy attorney, in southeastern  Wayne County, Michigan has maintained his office in the city of Taylor. There he practices law under the firm designation of Vining Law Group, PLC.  If you, a family member or a friend are burdened with debt and require the advice of a debt relief agency you should choose the same with great care.

Your attorney client relationship should be a close and confidential one with your important legal matters competently and promptly handled. Bankruptcy matters in particular require effective communication, prompt notice and action and a working relationship which inspires mutual trust and respect.

As such, the Vining Law Group, PLC suggests that you consider the following before making a decision to hire counsel:

1.    Your bankruptcy attorney should have experience not only in bankruptcy matters but also in other legal disiplines , including experience in many trial and appellate cases. The reason is that bankruptcy law not only encompasses some incredibly complex federal statutes and court rules and case law but also looks to state law in many instances; and, sometimes requires litigation within the bankruptcy case. You should know going in what the experience level of your proposed counsel is before making a decision to hire.

2.    Your bankruptcy lawyer should also have a modern office with full computer equipment, internet access, on-line legal research facilities and sources and appropriate software. In the southeastern Michigan area all bankruptcy petitions, schedules and pleadings must be electronically filed. In addition, pursuant to local court rules financial  and other detail must be timely transmitted to the court appointed trustees and most of them require electronic transmittions and not paper documents. Moreover, it is essential that your bankruptcy attorney have access to a complete internet law library so that when a legal matters arises in your case he or she will have state of the art research capabilities to get the most up to date law as it relates to the issues in your case. Its your case and your economic future so be sure that before you retain yur bankruptcy lawyer that your ask what faciliaties are avalibale if needed.

3.    In addition, what is the  avaliabilty and temperment of your bankruptcy attorney? The work of a banruptcy lawyer requires patience and very close attention to detail as even in a simple case the required petitions are dozens of pages long and the supporting documents such, payment advices and banking records, equally voluminous. Because of these things your bankruptcy lawyer must wear many hats. He or she must not only be an attorney and an advocate but also a teacher and a counselor to assist you gathering the appropriate information and completing the required disclosures and petitions. It is essential therefore that your inquire whether your case will handled personally by your bankruptcy attorney or will it just be delegated to a secretary. Also, find out what the attorney’s avaliabilty will be with repect to follow meetings and telephone conferences.

At Vining Law Group, PLC your bankruptcy case will be prepared and prosecuted by its principal, Guy Vining, who has over 30 years experience as a trial lawyer in Michigan and a great deal of bankruptcy and appellate court experience, as well.  Mr. Vining’s office is up to date with all of the research and professional amenities necessary to develope and complete your case. Most importantly, however, is the firm policy that it is he who will initially meet with you and answer all of your questions and work with you from the commencement to the conclusion of your case.

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