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Home/Attorneys/Law Offices of Richard Smutak
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- Attorneys in Warren, | CGMIMM

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11843 East 13 Mile Road, Warren, MI, 48093

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+1-586-939-9700
11843 East 13 Mile Road
Warren, MI 48093
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📚 Related legal guides

Background reading on the practice areas this attorney handles.

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Wage Garnishment Defense in Michigan
Michigan wage garnishment is capped at federal limits (25% of disposable income or 30× minimum wage) — and Texas, North Carolina, Pennsylvania, South Carolina ban most consumer wage garnishment entirely.
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Debt-Collection Defense in Michigan
Michigan consumers facing debt-collection lawsuits have powerful defenses — federal FDCPA, state consumer protection laws, statutes of limitations, and proof requirements that collectors often can't meet.
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Student-Loan Discharge in Bankruptcy in Michigan
Michigan student loans CAN be discharged in bankruptcy under the "undue hardship" Brunner test, plus DOJ's 2022 guidance has made it dramatically easier. Other federal options — IDR, PSLF, forgiveness — also relevant.

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