Claimed Lawyer ProfileQ&AResponsive Law
- Consumer Law
- Foreclosure Defense
- Landlord Tenant
- Traffic Tickets
- Criminal Law
We Offer Qualified Clients $Zero Down Bankruptcy. Pay $0 To File! Free Telephone Consultation.
- Credit Cards Accepted
Rates, Retainers and Additional Information
$0 To File Chapter 7. Payments as low as $49 after you file. 100% Attorney Representation. Includes Credit Counselling. Low Down Payments for Chapter 13 - Ask about our zero-down payment Chapter 13.
Jurisdictions Admitted to Practice
- State Bar of Michigan
- ID Number: P49744
- 6th Circuit
- U.S. Bankruptcy Court - Eastern District of Michigan
- U.S. Bankruptcy Court - Northern District of Ohio
- U.S. Bankruptcy Court - Western District of Michigan
- English: Spoken, Written
- Wayne State University Law School
- J.D. (1994) | Law
- Central Michigan University
- B.A. (1985) | Accounting
- Dale Carnegie Institute: Award For Highest Achievement
- Bredow Law PLC
- Selected by peers as having completed the program with the highest achievement.
- Michigan State Bar  # 49744
- Detroit Consumer Bankruptcy Association
- Mortgage Issues for Borrowers, Creditors and Trustees , 23rd Annual Federal Bar Association, Western District Michigan, Bankruptcy Seminar , Boyne Falls, Michigan
- Federal Bar Association of Michigan
- Representing Clients in Chapter 13 Proceedings Pre-Confirmation , Bankruptcy Certificate Series: The Basics of Chapter 13 Bankruptcy , Plymouth, Michigan
- Institute of Continuing Legal Education
- The Only Cram-Down Left? Lien Stripping and Valuation , Detroit Consumer Bankruptcy Conference , Troy, Michigan
- American Bankruptcy Institute
- The Bankruptcy Reform Act One Year Later , AMC Mortgage Services Attorney Summit , Long Beach, California
- AMC Mortgage Services
- The Bankruptcy Reform Act , DS News Five-Star Conference Attorney Summit , Dallas, Texas
- DS News
- General Bankruptcy Education , Homecomings Financial Corporation Client Educational Seminar , San Diego, California
- Homecomings Financial
Websites & Blogs
- Bredow Law Website
- Bredow Law Blog
- Check out Bredow Law PLC’s New Advertisement at B2B Yellow Pages
6 August 2020
- Which Debts Do I Pay First?
4 April 2020
- THINGS EVERY CHAPTER 13 DEBTOR SHOULD KNOW
27 August 2019
66 Questions Answered
- Q. Is it illegal to pull over right before the top of a hill, forcing the drivers to go into the other lane trying to pass?
- A: There is no statute that states that pulling over is illegal. It's the manner in which you park that may cause an unsafe condition and justify a ticket. You have to pull off the road completely. You may not impede or block traffic in your lane. Vehicles are not required to, nor should they, cross a centerline, to avoid your car. If your car is off the road, they should slowly move past, without crossing the line, then proceed.
- Q. Can second mortgage lender seek post-sale deficiency judgement after liability was discharged in Chapter 7
- A: Your neighbor's Chapter 7 Bankruptcy does not affect the rights of either the first or second mortgagee in the property. Chapter 7 discharges the debtor's personal obligation to pay the debts, but the mortgages are not removed. If the first mortgage was not foreclosed, the second mortgagee still has a valid mortgage against the property. If the second is not paid, they would be authorized to foreclose regardless of the Chapter 7 discharge. I would not recommend purchasing the property unless the second mortgage is paid at closing and you receive a release of the mortgage in writing.
- Q. I lost my insurance 2 years ago and had an accident. Their insurance is trying to get me to pay $6000 for her repair.
- A: Michigan is a No-Fault state. This means that all drivers are required to purchase insurance on their vehicles and that if there is an accident, regardless of who is at fault, each driver's insurance pays to cover their own medical bills, lost wages and damage to their own vehicle. The drivers are not permitted to sue each other in court, except to recover the amount of their insurance deductible. If a motorist is not insured he is operating the vehicle illegally and the other driver's insurance company is permitted to bring a suit to recover its damages. If you had kept the vehicle insured, they would not be permitted to do that. Your option is to defend the case and show that you were not at fault, but that may be difficult or impossible as you were not supposed to be on the road in an uninsured vehicle. If they obtain a judgment, you may apply to the Court for an installment payment agreement to allow you to make payments that you can afford. Be prepared to show the Court your income and your household expenses so the Court can determine a fair payment.
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