James J Hayes IV
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If you are feeling overwhelmed with bills and debt collectors calling and harassing you everyday, you might be at a point where filing for bankruptcy has crossed your mind. We can help you. Attorney Hayes and his team are very supportive and knowledgeable about all the state and federal laws that apply to various loan and debt problems. We can walk you through Medicaid Planning, Medicare Planning and Nursing Home Issues.

We know what documents are needed, when they are necessary and to whom they should be sent. Most of us don't deal with these issues on a regular basis, so if you're in dispute or have questions regarding your home and/or property rights, we can help you sort out the relevant information. Jim and his staff were very kind and helpful. Jim helped us with a very difficult case and through a very difficult time in our life.

I had been a nurse and became disabled and needed to file for bankruptcy for their was no other option. We are very thankful for Jim and his staff for helping us get back on our feet again and help us realize that it wasn't our fault for having to file.
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James Hayes IV Attorney at Law has been serving as an Attorney in Bay City MI and surrounding area with Legal guidance for over 25 years.
We are a small Law firm committed to delivering personal, one-on-one, attention to ensure you are receiving the best client care possible.
Since we know everyone has a different lifestyle and circumstances, we tailor all our services personally for you.
Often times hiring a lawyer could save you time and money regarding various complicated legal matters.
When you work with our team, we will explain all the details so you can make an informed decision.
If you are feeling overwhelmed with bills and debt collectors calling and harassing you everyday, you might be at a point where filing for bankruptcy has crossed your mind.
We can help you through this process to relieve your worries and stress in order to reclaim your financial life again.
Attorney Jim Hayes and his staff are committed to finding a solution to your troubles.
Our office is experienced and well versed on informing you of your rights when it comes to filing for bankruptcy.
Because all bankruptcy cases are handled at Federal level, you must be on top of all the regulations and guidelines to be in compliance regarding your case.
When you're faced with indebtedness and can't see the light of day, it might be time to consider filing for Chapter 7 bankruptcy.
You can find relief and be worry free knowing you will be able to regain your financial bearings over the next several years.
Before you are able to file for any Chapter, you will need to complete financial counseling in order to satisfy one of the courts requirements.
Additionally, there are other qualifying factors that you will need to comply with in order for the filing of Chapter 7 to continue.
Normally, Chapter 11 is a more complicated chapter of the Bankruptcy Code that provides businesses the opportunity for reorganization.
The agreement is usually based around reorganizing the company structure while it remains open in order to make payments back in a certain amount of time.
Since filing for bankruptcy means involving the U.S. Bankruptcy Court, it can be a very complex situation and should be handled by experienced professionals like us.
There are several steps and lengthy documents to be filled out with extreme details about your organization's financial history, such as, earnings, expenses, assets, investments, etc.
Michigan is not only surrounded by fresh water, but also has the second largest number of farms in the U.S. Behind automobiles, agriculture is the Great Lake state's second-largest industry; 95 percent of the farms are family owned.
Family Farmers and Family Fishermen are able to file Chapter 12 Bankruptcy if they have no other way to get out from under their debts.
This bankruptcy code will allow the farmers to set up a repayment plan in monthly installments for up to three years.
In some cases, the court will approve a five year re-payment plan, but no longer than five.
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