Review 18 credit repair companies, personal lenders, and financial services in Southfield, Michigan. Profiles include stored ratings, BBB context, pricing fields, maps, and local rules where available.
Detroit-area bankruptcy law firm specializing in Chapter 7 bankruptcy filings with advertised low fees and a listed refund term if cases are declined due to attorney error.
Google rating from 1 review
Profile signals: 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
Second Start Financial offers debt settlement services that negotiate with creditors to reduce unsecured debt balances. They charge no fees until accounts are settled.
Google rating from 7 reviews
Profile signals: 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
Detroit-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings, offering affordable legal representation starting at $499 with free consultations.
Google rating from 52 reviews
Profile signals: 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
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.
Google rating from 112 reviews
Profile signals: 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
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.
Google rating from 89 reviews
Profile signals: 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
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.
Google rating from 6,002 reviews
Profile signals: 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
Detroit-area bankruptcy law firm specializing in Chapter 7 bankruptcy filings with advertised low fees and a listed refund term if cases are declined due to attorney error.
Google rating from 1 review
Profile signals: 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
Detroit-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings, offering affordable legal representation starting at $499 with free consultations.
Google rating from 52 reviews
Profile signals: 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
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.
Google rating from 112 reviews
Profile signals: 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
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.
Google rating from 89 reviews
Profile signals: 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
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Profile signals: Individuals overwhelmed by debt, People facing creditor lawsuits or wage garnishment
Directory of Michigan consumer law attorneys in Southfield specializing in debt collection defense, credit reporting disputes, and consumer protection litigation.
Profile signals: Consumers being sued by debt collectors or facing aggressive collection harassment, People with errors or derogatory items on credit reports that agencies refuse to correct
Second Start Financial offers debt settlement services that negotiate with creditors to reduce unsecured debt balances. They charge no fees until accounts are settled.
Google rating from 7 reviews
Profile signals: 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
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.
Google rating from 6,002 reviews
Profile signals: 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 (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.
Google rating from 3,901 reviews
Profile signals: 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
National debtor defense firm offering debt relief programs, settlement support, and FDCPA litigation services since 2010. Works with consumers to reduce debt obligations affordably.
Profile signals: Consumers experiencing active debt collector harassment who need FDCPA litigation, Clients already enrolled in debt settlement programs seeking legal support and guidance
MDR Financial is a debt relief consulting firm based in Southfield, Michigan, offering personalized debt management and relief programs to help consumers regain financial control.
Profile signals: Michigan residents seeking local debt relief consultation, Consumers wanting personalized debt management strategy development
Southfield, MI's Advance America at 20112 Eight Mile W offers convenient payday and title loans with provider-stated same-day approval timing.
Profile signals: Consumers needing $100-$500 in cash within 1-2 days for unexpected expenses, Vehicle owners seeking larger loans ($2,000-$25,000) willing to use car title as collateral
Cash Giant 9 is a payday loan provider in Southfield, Michigan offering small fast loans from $100–$2,500 with listed funding timing.
Profile signals: Southfield-area residents experiencing genuine short-term cash emergencies requiring funds within 24 hours, Borrowers who prefer in-person service and want to speak with loan officers before applying
Southfield, MI — Montana Capital Car Title Loans at 25003 Telegraph Rd offers car-title-loan profile details with provider-stated same-day approval timing.
Profile signals: Borrowers with damaged credit researching emergency-cash options and may not meet traditional loan criteria, Vehicle owners with significant equity who can afford the high interest costs and repayment timeline
Upscale pawnshop in Southfield, MI buying and lending on jewelry, watches, diamonds, musical instruments, vehicles, and collectibles with on-site custom design and repair services.
Profile signals: Short-term cash needs (weeks to months) when borrower has valuable items to pledge as collateral, Individuals selling jewelry, watches, diamonds, or collectibles who want short-term cash access and professional appraisal
Michigan's largest jewelry and loan provider since 1923, offering collateral-based loans on jewelry, watches, and diamonds alongside retail sales of luxury timepieces and fine jewelry.
Profile signals: Luxury watch and jewelry collectors seeking to buy, sell, or trade high-end timepieces (Rolex, Patek Philippe) in the Detroit area, Individuals with valuable jewelry or watches seeking short-term cash access loans using their items as collateral
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.
Google rating from 26 reviews
Profile signals: 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
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.
Profile signals: 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
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.
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.
Use these guides with local pages, state rules, and provider profiles before contacting a company.
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