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About Michael F. Kanzer & Associates Michael F. Kanzer & Associates P.C. has been a licensed law firm for over 20 years. We focus on quality health care for individuals and families alike. For us it is a crime when anyone is forced to live in pain or suffering. Therefore, we’re committed to making your road to recovery as smooth and stress-free as possible. Our experience and skill in this area are well-documented. These facts are also supported with our extensive legal and financial experience. Please contact us now and see how our skill may benefit you. Consultation is free, so you have nothing to lose. How Bankruptcy Works When the bills are too high, and the income too low, bankruptcy may offer relief. Bankruptcy is a federal court legal process that can help individuals and families release themselves legally from the obligation to pay certain financial obligations. Bankruptcy is designed to provide relief so that you can return to a standard of living you are used to without losing everything. In the Past Bankruptcy was Taboo When people had more "fair" banking practices and creditors, bankruptcy was seen as a personal failure or even a "character flaw". This is no longer true. In Today's World In today’s financial environment of predatory lending, and deceitful lending practices, you may accumulate debt that you cannot repay. Credit card companies and other lenders hide their ruinous terms because in the fine print. Furthermore, most credit agreements enable creditors to change payment terms and interest rates at their choosing. This knocks you into a pit of debt, leaving you with little hope for a better future. Acknowledging a Bankruptcy
 
Clients are thrilled with the legal services provided by Michael Kanzer and team, giving them excellent reviews. They praise Kanzer's professionalism, empathy and keen attention to detail, saying he guides them through the process and makes it very easy. Most especially, the review of Kanzer for Bankruptcy and Real Estate services is given the most mention. The clients mention a total satisfaction from the services they got and recommend. Clients note how Kanzer and team communicate promptly and keep them informed, and this, together with their ability to explain complex topics, greatly reduces stress. The majority of the reviewers recommend Kanzer Law, with the most frequent recommendations for Kanzer following legal processes. Clients found it easy to work with a kind and patient team, which is very impressive.).