Copyright Ryan Beach Law - Grand Rapids Bankruptcy Attorney 

This website is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship.
  • ​​​​Stop harassing creditor phone calls and collection efforts;
  • Repay your unsecured debt at a fraction of what is owed ("best efforts" repayment plan);
  • Stop compounding interest, penalties and late fees;
  • Prevent or stop lawsuits and judgments;
  • End or prevent wage, bank account or state tax refund garnishments;
  • Stop mortgage and tax foreclosures;
  • Force mortgage companies to accept reasonable repayment terms of past due mortgage payments;
  • Eliminate second mortgage or home equity loan ("lien strip");
  • Repay past due property taxes over an extended period of time;
  • Resolve IRS and state income tax debt/liens and create reasonable repayment terms;
  • Stop auto repossessions and recover vehicles that have already been repossessed;
  • Modify auto loans to make them more affordable; and
  • Eliminate past due utility bills and restore utility services (utility shutoffs).

If you have overwhelming debt, bankruptcy is not your only answer.  Sometimes debt settlement, or debt negotiation, makes more financial sense. Debt settlement is when two parties, a creditor and a debtor, agree to repayment terms and/or resolve a debt for less than what is owed. 

Call our office today at 616.389.0629 to discuss your eligibility for Chapter 7, protecting your assets, and whether Chapter 7 is the best course of action for you. 

​​​A Chapter 7 allows you to eliminate, or "discharge", debts such as:

  • Credit cards and personal/unsecured loans;
  • Medical bills;
  • Past due utility bills;
  • Debt which forms the basis of judgments and garnishments;
  • Loan deficiency debt;
  • Mortgages; and
  • Auto loans.

Filing Chapter 13 - "Reorganization Plan"​


Chapter 13 is a reorganization bankruptcy, which allows for protection from creditor's collection efforts and for a controlled repayment of debts, most often at a very small fraction of what is owed.  Chapter 13 does not involve liquidation or loss of assets.


Chapter 13 is an extremely powerful tool which allows you to do such things as:

Filing Chapter 7 Bankruptcy - "Fresh Start"


Chapter 7 allows an individual to a make a fresh start by legally eliminating, or "discharging", debt.  Filing a Chapter 7 bankruptcy can eliminate most, if not all, of your debts. It is a quick and powerful tool to put an end to financial stress, release financial obligations for unwanted real or personal property, and stop harassing creditor phone calls.  Call to find out more about filing Chapter 7 bankruptcy or filing Chapter 13 Bankruptcy.  


While Chapter 7 is a liquidation bankruptcy, individuals are allowed to claim certain assets and properties as exempt.  Most often the available exemptions allow individuals to retain assets and properties they wish to keep.  When exemptions are insufficient for keeping desired assets, individuals can pursue Chapter 13, which also allows for significant debt elimination.  Save your assets with an experienced bankruptcy lawyer. 

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The Law Offices of Ryan F. Beach PLLC


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Grand Rapids Bankruptcy Attorney

Don't worry if you don't see the relief you are looking for. If you have a debt, we have an answer on how to resolve it.  Call now - 616.389.0629.