Stop Credit Card Interest.
Lower Your Payment. Keep Your Property.
Chapter 13 Bankruptcy freezes interest and penalties — giving you one affordable payment that wipes out debt in 5 years or less, no matter how much you make or what you own.
Serving Downriver Michigan since 2012 • Led by Attorney Bryan Yaldou
HOW IT WORKS
Chapter 13: A Smarter Way Out of Debt
If you’re making minimum payments and your balances barely move, you’re stuck in a system designed to keep you paying — forever.
With Chapter 13:
- We stop interest and penalties immediately — your debt stops growing.
- We recalculate one affordable payment based on your income and necessary living expenses.
- You keep your property — your home, cars, wages, and tax refunds remain yours.
From day one, you’ll know your monthly payment, your end date, and exactly what’s protected.
THE “DEBT FREE IN 5” PROMISE
Debt Free in 5 — Months or Years, Depending on Your Situation
In just 5 minutes, Attorney Bryan Yaldou can tell you whether your best path is closer to 5 months (Chapter 7) or about 5 years (Chapter 13). Either way, you’ll walk away with a clear plan — before you commit to anything.
WHY CHAPTER 13 BEATS MINIMUM PAYMENTS
Why Keep Paying Interest When You Don’t Have To?
Chapter 13 |
Credit Cards |
|
Interest Accrual |
Stopped at filing | Keeps growing |
Monthly Payment |
One affordable plan | Multiple, high minimums |
End Date |
~36-60 months | Open-ended |
Attorney Fees |
Built into payment | Not applicable |
Interactive Calculator
See What Your New Payment Could Be
Enter your numbers to see where you currently stand. Then schedule a free 15-minute consult with Bryan to see how much money he can save you — no cost, no obligation.
Total Credit Card Debt ($) |
|
Average APR of all Credit Cards ($) |
|
Current Total Monthly Minimum Payments ($) |
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What About My Stuff?
You Keep What Matters Most
Your
Car
Behind on payments? We can catch you up and protect it.
Your Home
Equity
Protected under exemptions and your plan structure.
Your
Paychecks
Garnishments stop the day your case is filed.
Your Tax
Refunds
Often preserved depending on your plan.
Success Stories
Real Clients. Real Debt Relief.
“They froze the interest, gave us one payment, and we could breathe again.”
– J.R
“Clear, non-judgmental, and fast. We finally saw the finish line.”
– M.K.
“One call changed everything. We’re rebuilding now.”
– T.W.
FAQ
Common Questions, Straight Answers
Q:
Will I lose my property?
A:
No. Chapter 13 is designed to protect assets while you repay affordably.
Q:
Do I pay attorney fees up front?
A:
No. Your fees are built into your monthly payment.
Q:
How is my payment set?
A:
Based on your income, reasonable living expenses, and total debt.
Q:
How fast does interest stop?
A:
Immediately when your case is filed.
Meet Bryan & The Team
Local. Experienced. On Your Side.
For over 20 years, Attorney Bryan Yaldou has helped Downriver families and individuals stop interest, protect assets, and get out of debt. Supported by paralegals Lori, Leanna, and Amanda, our team ensures your case moves forward quickly, your questions get answered, and your rights stay protected.
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“We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.” Copyright 2025 Law Offices of Bryan Yaldou, PLLC. All Rights Reserved. | Privacy Policy
Brownstown, MI 48134
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