Southfield, MI

Credit Repair & Financial Services in Southfield

Compare 9 credit repair companies, personal lenders, and financial services in Southfield, Michigan. All independently reviewed with BBB ratings and pricing.

Bankruptcy Services (4) Get Out of Debt (3) Credit Repair (1) Free Help (1)

Michigan avg credit score: 707 Median income: $68,505 Poverty rate: 13.1% Payday loans: Legal Michigan overview →

Top Rated in Southfield

9 companies

Five Lakes Law Group

Five Lakes Law Group is a Michigan-based law firm specializing in debt settlement, founded in 2021. BBB A+ accredited since 2025. 4.8 Trustpilot, 6,000+ Google reviews. Fee rate reportedly 27% — higher than industry average.

4.8/5

Free BBB: A+

Best for: Consumers with $10,000+ in unsecured debt who want legal representation backing their debt settlement negotiations, Those who prefer the additional consumer protection of working with a law firm rather than a non-attorney debt settlement company

GRT Financial

GRT Financial (also Fresh Path Financial) is a Southfield, MI-based debt settlement company. BBB A+ accredited. 4.4 average from 4,200+ Trustpilot reviews. 3,900+ Google reviews. Fee-after-settlement model.

4.8/5

Free BBB: A+

Best for: Consumers with $10,000+ in unsecured debt seeking debt settlement with a BBB A+-rated Michigan firm, Those who want a no-upfront-fee debt resolution program with fees charged only after successful negotiation

Law Offices of Marshall D. Schultz

Detroit-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings for consumer debtors. Offers free consultations and 50+ years of combined legal experience.

4.5/5

Free BBB: NR

Best for: Detroit-area consumers facing foreclosure, wage garnishment, or creditor harassment seeking bankruptcy protection, Individuals with mixed debt loads (credit cards, medical bills, personal loans) evaluating Chapter 7 vs. Chapter 13 options

Adler Law Firm: Chapter 7 & 13 Bankruptcy

Detroit-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings, offering affordable legal representation starting at $499 with free consultations.

4.4/5

Contact BBB: NR

Best for: Low-income Detroit metro residents with $5K–$50K+ in unsecured debt seeking affordable legal representation for Chapter 7 liquidation, Homeowners facing active foreclosure auctions who need immediate automatic stay relief and Chapter 13 repayment plan alternatives

American Credit Restoration

Credit repair company operating since 2005 that disputes errors and obsolete items on credit reports using a multi-stage, customized approach rather than generic one-size-fits-all methods.

4.4/5

Free BBB: NR

Best for: Consumers with clear errors or obsolete items on credit reports who want customized dispute strategy, Entrepreneurs looking to establish business credit alongside personal credit repair

Ardelean & Dunne, PLLC

Michigan-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings with 20+ years of combined experience and over 3,000 cases filed since 2009.

4.4/5

Contact BBB: NR

Best for: Michigan residents with wage garnishments seeking immediate court-ordered protection, Consumers with significant unsecured debt (medical bills, credit cards, personal loans) unable to restructure payment

Bankruptcy Services in Southfield

Law Offices of Marshall D. Schultz

Detroit-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings for consumer debtors. Offers free consultations and 50+ years of combined legal experience.

4.5/5

Free BBB: NR

Best for: Detroit-area consumers facing foreclosure, wage garnishment, or creditor harassment seeking bankruptcy protection, Individuals with mixed debt loads (credit cards, medical bills, personal loans) evaluating Chapter 7 vs. Chapter 13 options

Adler Law Firm: Chapter 7 & 13 Bankruptcy

Detroit-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings, offering affordable legal representation starting at $499 with free consultations.

4.4/5

Contact BBB: NR

Best for: Low-income Detroit metro residents with $5K–$50K+ in unsecured debt seeking affordable legal representation for Chapter 7 liquidation, Homeowners facing active foreclosure auctions who need immediate automatic stay relief and Chapter 13 repayment plan alternatives

Ardelean & Dunne, PLLC

Michigan-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings with 20+ years of combined experience and over 3,000 cases filed since 2009.

4.4/5

Contact BBB: NR

Best for: Michigan residents with wage garnishments seeking immediate court-ordered protection, Consumers with significant unsecured debt (medical bills, credit cards, personal loans) unable to restructure payment

Detroit Low Cost Bankruptcy Attorneys

Detroit-area bankruptcy law firm specializing in Chapter 7 bankruptcy filings with advertised low fees and a money-back guarantee if cases are declined due to attorney error.

4.4/5

Contact BBB: NR

Best for: Detroit-area residents with unsecured debt (credit cards, medical bills, personal loans) seeking Chapter 7 bankruptcy, Individuals currently experiencing wage garnishment, creditor harassment, or foreclosure/repossession risk

Get Out of Debt in Southfield

Five Lakes Law Group

Five Lakes Law Group is a Michigan-based law firm specializing in debt settlement, founded in 2021. BBB A+ accredited since 2025. 4.8 Trustpilot, 6,000+ Google reviews. Fee rate reportedly 27% — higher than industry average.

4.8/5

Free BBB: A+

Best for: Consumers with $10,000+ in unsecured debt who want legal representation backing their debt settlement negotiations, Those who prefer the additional consumer protection of working with a law firm rather than a non-attorney debt settlement company

GRT Financial

GRT Financial (also Fresh Path Financial) is a Southfield, MI-based debt settlement company. BBB A+ accredited. 4.4 average from 4,200+ Trustpilot reviews. 3,900+ Google reviews. Fee-after-settlement model.

4.8/5

Free BBB: A+

Best for: Consumers with $10,000+ in unsecured debt seeking debt settlement with a BBB A+-rated Michigan firm, Those who want a no-upfront-fee debt resolution program with fees charged only after successful negotiation

Second Start Financial

Second Start Financial offers debt settlement services that negotiate with creditors to reduce unsecured debt balances. They charge no fees until accounts are settled.

4.4/5

Free BBB: NR

Best for: Consumers with $10,000+ in unsecured credit card or medical debt who can tolerate credit score impact, Those seeking to pay lump-sum settlements rather than consolidation or lengthy repayment plans

Credit Repair in Southfield

American Credit Restoration

Credit repair company operating since 2005 that disputes errors and obsolete items on credit reports using a multi-stage, customized approach rather than generic one-size-fits-all methods.

4.4/5

Free BBB: NR

Best for: Consumers with clear errors or obsolete items on credit reports who want customized dispute strategy, Entrepreneurs looking to establish business credit alongside personal credit repair

Free Help in Southfield

Gesher Human Services

Gesher Human Services is a Detroit-area nonprofit offering free and low-cost financial counseling, homebuyer education, and career development services to help individuals build stable lives.

4.1/5

Contact BBB: NR

Best for: First-time homebuyers in metro Detroit seeking HUD-certified education and mortgage guidance, Job seekers and career changers needing resume, interview, and professional development support

Your Rights in Michigan

Michigan Consumer Protections: Michigan allows payday lending with a $600 cap, tiered fee structure, and a one-loan-at-a-time limit. Rollovers are prohibited. The Department of Insurance and Financial Services regulates consumer lenders, and complaints can be filed with DIFS or the Attorney General.

Interest Rate Cap: Michigan usury cap: 25% for consumer loans; payday loans capped at $600 with 15% fee on first $100, tiered after.

Key Regulations:

Payday loans (deferred presentment) capped at $600 with tiered fees: 15% first $100, 14% on $100-$200, 13% on $200-$300, etc.
Maximum loan term is 31 days; rollovers prohibited.
Borrowers limited to one payday loan at a time.
The Michigan Consumer Protection Act provides additional safeguards against deceptive lending.

Federal protections: The FCRA gives you the right to dispute inaccurate credit report information for free. Credit repair companies cannot charge before performing services (Credit Repair Organizations Act).

Free resources: Get a free credit report annually at AnnualCreditReport.com. File complaints with Michigan Attorney General Consumer Protection Division.

Compare Top-Rated Services

Our editors reviewed hundreds of companies to find the best options nationwide.

Best Credit Repair

Top-rated companies compared

Personal Loans

Options for bad credit

Debt Consolidation

Simplify your payments

Free Guides

Financial wellness education

Affiliate Disclosure: CreditDoc may earn a commission when you click links to products and services featured on this page. Our editorial team independently reviews all services. Learn more.