Law Office of Stephanie Krane-Boehmer, PLLC

09/28/2026

📬 I Signed Up With a Debt Settlement Company. Now I'm Being Sued.

I'm hearing this more often in my office. Someone signs up for a debt settlement program hoping to get their credit card bills and loans under control. The monthly payment becomes too much; they fall behind because the program said to stop making payments to the credit card and loan companies; and then a creditor files a lawsuit.

By the time they call me, they're scared.

If this is happening to you, please don't ignore the court papers. A debt settlement program does not prevent a creditor from suing you, and there is a deadline to respond.

Talking to a bankruptcy attorney does not mean that you have to file bankruptcy. It gives you a chance to understand your options before deciding what to do next.

https://michiganbankruptcyanddivorcelawyer.com

07/20/2026

I prepared these documents for my daughter before she left for college 3 years ago. I've used them various times over the years to help her with financial and health-related matters while she is away. Invaluable.

07/05/2026

06/14/2026

🌱Can we stop pretending everything is perfect?

Because it's not, and that's okay. The truth is that every person you know is dealing with something. Some struggles are visible. Most are not.

The family that looks perfect may be struggling behind closed doors. The person who appears financially successful may be drowning in debt. The couple posting smiling photos may be facing difficult decisions about their future. The person who has spent years taking care of everyone else may still lack a will, trust, or estate plan.

Life isn't about perfection. It's about progress. It's about taking the next step to improve your situation, protect your family, and create peace of mind for the future.

You don't have to have everything figured out today. You have to take the first step.

📞 (248) 293-0048
📍Rochester Hills, Michigan

06/02/2026

💡One of the Biggest Gifts You Can Leave Your Family Isn't Money

When most people think about estate planning, they think about who gets their money, house, or belongings when they're gone.

But after more than 20 years of helping Michigan families, I've learned that one of the greatest gifts you can leave your loved ones isn't money at all.

It's a plan. A plan that tells your family:
➡️what you want
➡️the people you trust to make decisions
➡️how to avoid unnecessary stress, confusion, and probate

Many people put off estate planning because they think it's something they'll do later, or that it's only for retirees or wealthy individuals. The truth is that every adult can benefit from having basic estate planning documents in place.

Having a plan can provide peace of mind for everyone involved.

📞(248) 293-0048
📍Rochester Hills, Michigan
Serving, Oakland, Macomb, Genesee, Lapeer, and Wayne counties

05/04/2026

⛽Trying to keep up right now isn't easy. Gas prices are nearly $5.00 a gallon. Groceries cost more every week. Monthly bills aren't getting any smaller. And for some people, it's even more than that.

I've recently spoken with individuals who:
➡️have lost their jobs
➡️are applying for unemployment
➡️are falling behind on mortgage payments
➡️and are relying on credit cards to cover basic expenses

This isn't about poor decisions - it's about real life hitting all at once.

When expenses keep rising, it can feel like there's no way to catch up. But there are options.

In some situations, bankruptcy can help stop collection activity, address overwhelming debt, and give you a chance to reset and move forward.

You don't have to have everything figured out, but understanding your options can be the first step.

20+ years helping the community navigate life's transitions.

📞(248) 293-0048
📍Rochester Hills, Michigan

04/04/2026

💰Dealing with a wage garnishment can feel overwhelming.

For many people, it doesn’t happen overnight. It often starts with unpaid debt, followed by a lawsuit, and then a judgment — eventually leading to money being taken directly from your paycheck.

In Michigan, creditors may be able to garnish up to 25% of your disposable earnings.

The good news is that in many cases, Chapter 7 or Chapter 13 bankruptcy can stop a wage garnishment and provide immediate relief through the automatic stay.

Sometimes the most important step is simply understanding your options.

📍 Rochester Hills, Michigan
📞 (248) 293-0048

03/31/2026

🌿Sometimes a fresh start begins simply with sitting down and taking that first step.

But for many people, the question becomes - what comes next?

There are often things we've been meaning to take care of for months...or even years. Addressing debt, moving forward with a divorce, putting an estate plan in place, or working through probate.

It doesn't all have to happen at once. Sometimes it starts with sitting down, getting organized, and understanding your options.

Taking that first step can bring clarity, reduce stress, and help you feel more in control of where you're headed.

📍Rochester Hills, Michigan
📞(248) 293-0048
Serving Oakland, Macomb, Genesee, and Lapeer counties