Michigan-based bankruptcy attorney with 29 years of experience offering Chapter 7, Chapter 13, and consumer law services in Detroit.
Data compiled from public sources · Google rating shown when a stored review count is available
Kenneth Demers founded Demers Law, PLLC after graduating from Detroit College of Law in 1995 and beginning his career with Wayne County Neighborhood Legal Services. Based in the Guardian Building in downtown Detroit, the firm has maintained a consistent presence serving Michigan consumers for nearly three decades. Demers is admitted to practice in Michigan since 1996 and holds a Martindale Hubbell Client Champion Silver Award (2024).
The firm specializes in bankruptcy law, offering both Chapter 7 and Chapter 13 bankruptcy filings, as well as debt relief consultation. Beyond bankruptcy, Demers Law provides comprehensive consumer law services including estate planning, probate law, landlord-tenant representation (both evictions and tenant rights), housing discrimination cases, and lemon law claims. The attorney offers a free initial consultation and accepts video conferencing via Zoom to increase accessibility.
Demers Law distinguishes itself through personalized client service and demonstrated willingness to go beyond standard legal representation. According to client reviews, the attorney has provided transportation to court proceedings and negotiated fee reductions for successful outcomes. The firm operates extended hours, including Saturday appointments by request, and maintains direct accessibility via phone and email. Demers has also conducted seminars on mortgage-related topics.
However, the firm shows inconsistent service quality. Recent client reviews highlight concerns about incomplete filings, inadequate document service, and poor communication regarding case status—issues that directly impact bankruptcy proceedings where procedural compliance is critical. While testimonials from satisfied clients praise thorough representation, the mixed reviews suggest operational challenges that prospective clients should investigate carefully before engagement.
This is state-level context for Bankruptcy Services consumers in Detroit, MI. It does not confirm that DEMERS LAW PLLC or this specific location is licensed.
State regulator
Michigan Department of Insurance and Financial Services
Consumer protection
Relevant law: Michigan Credit Services Protection Act (MCL 445.1821-445.1826)
Registration: Required with Michigan Department of Insurance and Financial Services (DIFS)
Upfront fees: Listed as prohibited in the current CreditDoc state summary
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
DEMERS LAW PLLC offers 12 services including Chapter 7 Bankruptcy filing and representation, Chapter 13 Bankruptcy filing and representation, Debt relief consultation and strategy, Estate planning, Probate law representation, and 7 more.
DEMERS LAW PLLC has profile signals associated with Michigan consumers filing Chapter 7 or Chapter 13 bankruptcy who prefer local, experienced representation, Clients seeking bundled consumer law services (bankruptcy + estate planning or landlord-tenant), Individuals who value personalized service and willingness to work with financial constraints.
Key strengths: 29 years of legal experience with admission to Michigan State Bar since 1996; Free initial consultation available to all prospective clients; Offers video conferencing via Zoom for remote accessibility. Areas to consider: Recent client review (Sept 2024) documented failure to file proper papers and inadequate service of process before court dates; Client reports indicate lack of proactive communication about case status, requiring clients to repeatedly contact for updates.
In the Bankruptcy Services category, comparable providers include Hurst Law Firm PA, Law Offices of Carol M. Galloway, P.A. - Jacksonville Bankruptcy, Saedi Law Group, LLC. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
profile signals for Michigan residents seeking local bankruptcy representation with a generalist consumer law background. Primary caveat: recent client complaints about procedural compliance and communication suggest due diligence is essential—confirm the firm's current operational capacity and request references specific to bankruptcy cases before retaining.
Memphis-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings. Offers free consultations and has served clients since 1997.
Google rating from 131 reviews
Profile signals: Memphis-area residents with Chapter 7 or Chapter 13 bankruptcy needs and regular income, Consumers facing wage garnishment, foreclosure, or creditor harassment seeking immediate legal intervention
Jacksonville-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings, debt relief, and mortgage modifications for individuals and businesses across Northeast and Central Florida.
Google rating from 58 reviews
Profile signals: Florida residents (Northeast/Central Florida) with unmanageable credit card debt or medical bills seeking Chapter 7 liquidation bankruptcy, Homeowners behind on mortgage payments wanting to retain property through Chapter 13 reorganization
Review this provider profile and compare source-linked details before choosing what to do next.
Google rating from 69 reviews
Profile signals: Consumers in Atlanta, Georgia looking for credit building services, People who prefer working with a local credit building provider
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
When you fail to repay a loan according to the agreed terms — usually after 90-180 days of missed payments. It's the point where the lender gives up on collecting normally.
Default triggers severe consequences: credit score drops 100+ points, the debt may be sent to collections, you could be sued, and your wages or assets could be seized.
Example
You miss 4 consecutive car payments. The lender declares your loan in default, repossesses your car, sells it at auction for $8,000, and you still owe the remaining $5,000 (called a deficiency balance).
A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.
The CFPB is your most powerful ally against high-cost lenders. Filing a complaint with them gets a response from the company within 15 days — companies take CFPB complaints seriously.
Example
A debt collector calls your workplace after you told them to stop. You file a CFPB complaint online. Within 15 days, the collection agency responds and agrees to stop. The CFPB tracks complaint patterns across all companies.
A federal law that limits what debt collectors can do. They can't call before 8am or after 9pm, can't harass you, can't lie, and are required to stop contacting you if you request in writing.
Knowing your FDCPA rights stops abusive collection tactics. If a collector violates the law, you may have a right to sue for up to $1,000 per violation plus attorney fees.
Example
A collector calls your workplace 3 times after you told them not to. That's 3 FDCPA violations. You hire a consumer attorney (free — they get paid by the collector). The collector settles for $3,000.
A court order that requires your employer to withhold part of your paycheck and send it directly to a creditor. Usually happens after a creditor sues you and has obtained a judgment.
Federal law limits garnishment to 25% of disposable income. Some states have lower limits. Student loans and taxes can be garnished without a court order.
Example
You owe $8,000 on a defaulted credit card. The bank sues, gets a judgment, and garnishes your wages. On a $3,000/month net paycheck, they take $750/month until the debt is paid.
A time limit (typically 3-6 years, varies by state) after which a creditor can no longer sue you to collect a debt. The debt still exists, but they lose the legal power to force payment.
Knowing your state's statute of limitations prevents you from being tricked into paying debts that are legally uncollectable. Beware: making a payment can restart the clock.
Example
You have a $3,000 credit card debt from 2019. Your state has a 4-year statute of limitations. In 2024, a collector calls demanding payment. The statute has expired — they cannot sue you.
A type of bankruptcy where you keep your assets but follow a court-approved 3-5 year repayment plan to pay back some or all of your debts. Stays on credit for 7 years.
Chapter 13 may be more relevant than Chapter 7 if you have a home or assets you want to keep. It can stop foreclosure and let you catch up on mortgage payments over 3-5 years.
Example
You're 3 months behind on your mortgage and have $30,000 in credit card debt. Chapter 13 stops foreclosure and puts you on a 5-year plan: you pay $600/month to catch up on the mortgage and pay 40% of the credit card debt.
A type of bankruptcy that wipes out most unsecured debts (credit cards, medical bills) by liquidating non-exempt assets. It stays on your credit for 10 years.
Chapter 7 gives you a fresh start but at a steep cost: 10 years on your credit, difficulty getting loans, and you may lose assets. Income is generally required to be below your state's median to qualify.
Example
You have $45,000 in credit card debt and earn $35,000/year. Chapter 7 erases the debt. You keep exempt property (basic car, household items). Your score drops to ~500 but you're debt-free.
When a creditor declares your debt a loss after 180 days of nonpayment and removes it from their books. But you still owe the money — they just stop expecting to collect it themselves.
A charge-off is one of the most damaging entries on your credit report and stays for 7 years. The debt is usually sold to a collection agency who will pursue you for it.
Example
You stop paying your $4,000 credit card. After 180 days, the bank charges it off and sells the debt to a collector for $800. The collector now contacts you demanding the full $4,000 (they profit from what they collect above $800).
When an unpaid debt is transferred or sold to a third-party collection agency that specializes in recovering the money. Collection accounts appear on your credit report for 7 years.
Even a $50 collection account can drop your score 50-100 points. Some newer FICO models (FICO 9) ignore paid collections, but many lenders still use older models.
Example
An old $200 gym bill goes to collections. It appears on all 3 credit reports and drops your 720 score to 640. Paying it helps with newer scoring models but under FICO 8 (still widely used), a paid collection still hurts.
Combining multiple debts into one single loan with one monthly payment, ideally at a lower interest rate. It simplifies repayment and can reduce total interest.
Consolidation is generally most useful when you get a lower rate than your existing debts. But it doesn't reduce what you owe — and extending the term can mean paying more total interest.
Example
You have: $5,000 at 22% (credit card), $3,000 at 18% (store card), $2,000 at 25% (payday loan). A $10,000 consolidation loan at 11% saves you ~$2,100 in interest over 3 years.
Negotiating with creditors to accept less than the full amount you owe — typically 40-60 cents on the dollar. Usually done after you've already fallen behind on payments.
Settlement can save thousands, but it severely damages your credit (settled accounts show for 7 years) and the IRS may tax the forgiven amount as income.
Example
You owe $15,000 on a credit card and negotiate a settlement of $7,500 (50%). You save $7,500 but: your credit drops 100+ points, the account shows 'settled' for 7 years, and you may owe taxes on the $7,500 forgiven.
The percentage of your monthly gross income that goes toward paying debts. Lenders use it to judge whether you can afford another loan payment.
Most lenders want DTI below 36% for personal loans and below 43% for mortgages. Above that, you're considered overextended and likely to be denied.
Example
You earn $5,000/month gross. Your debts: $1,200 mortgage + $300 car + $200 student loans = $1,700/month. DTI = 34%. A new $400/month loan would push you to 42% — risky for lenders.
A court ruling that says you legally owe a specific amount to a creditor. It gives the creditor power to garnish wages, freeze bank accounts, or place liens on your property.
Judgments are enforceable for 10-20 years (varies by state) and can be renewed. They give creditors far more collection power than a simple unpaid debt.
Example
A credit card company sues you for $8,000 and has obtained a judgment. They can now garnish 25% of your paycheck ($750/month on a $3,000 net salary) and freeze your bank account.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
Affiliate Disclosure: CreditDoc may earn a commission when you click links to DEMERS LAW PLLC and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.