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Mn-Fr: 8:30am – 6pm

Home of the $0 Down*


Simple monthly payment plan after filing.

SINCE 2005

$0 Down* Bankruptcy

At Matthew Frey Law, we understand that people considering bankruptcy are having financial problems. This is why we offer a $0 down* option. If you qualify, you make payments only after we file your case. Our goal is to stop garnishment and creditors from calling you immediately.

Low Attorney Fees

If declaring bankruptcy is a viable option for you, we provide payment options that can fit any budget, and many times, we can file your case with $0 down*.

Free Consultation

Our initial consultations at Matthew Frey Law are free. Yet, when you leave our offices, you will feel as though you’ve received thousands of dollars of advice. We will discuss the immediate solutions that will stop the creditors from calling or wage garnishment from happening.

We will also dispel the myth that bankruptcy will ruin your credit, and we will help you put aside the “stigma” of declaring bankruptcy.

When you leave Matthew Frey Law, you will feel confident in your next steps, understanding that you are taking the smartest, most strategic path to help you recover and put your financial problems in the past.

Bankruptcy is a powerful life changer. Complete the form below, and schedule your free consultation.

Meet Attorney Matthew Frey

Since 2005, Attorney Matthew Frey has been Saginaw, Michigan’s best bankruptcy attorney.

Matthew Frey shows his clients how to recover through bankruptcy. In fact, many clients have said that bankruptcy was their lifeline, their path to financial recovery.

When you start over and declare bankruptcy, you get to wipe the slate clean. That terrible feeling in the pit of your stomach goes away. You start to pay your bills on time. You can even save money.

What’s more: You can breathe a sigh of relief.

Not only does our office have fair pricing and high consumer reviews, we also walk our clients through the process of using bankruptcy as an opportunity to start over.

Matthew Frey graduated cum laude from Walsh College of Accounting and Business Administration in Troy, Michigan in 2000 with a Bachelor’s of Business Administration.

He received his law degree and graduated cum laude from Thomas M. Cooley Law School in 2005, and later earned his Master of Laws in Taxation degree from there as well in 2009. He is licensed to practice in the State of Michigan, the Eastern District of Michigan, and the United States Supreme Court.

Matthew Frey helps clients explore all options, including debt settlement, credit counseling and improvement, and Chapter 7 and Chapter 13 bankruptcies. Indeed, declaring bankruptcy is not for everyone—and we will be the first to tell you if you should explore other options.

If you are a candidate for bankruptcy, Matthew Frey Law has partnered with 7 Steps to a 720 Credit Score to show you how to increase your credit score to 720 in just 12 to 24 months after your bankruptcy discharge or confirmation. This credit program is included in the price of the bankruptcy.

Schedule a Free Consultation with Matthew Frey Law

Call 989-315-7106

Glowing reviews from our clients…

Attorney Matthew Frey is wonderful at explaining the steps of bankruptcy . He makes it easier for you to gain control of your finances again . I highly recommend Attorney Matthew Frey to all family and friends. Thank you Attorney Matthew Frey .

Robert V. ( )

Mr. Frey makes the whole process easy and worry free. He offers a payment plan that no other bankruptcy attorney does. Most attorneys require payment upfront. I went to his office on my lunch break and everything was done within an hour. I walked out with a weight lifted. I highly recommend anyone considering bankruptcy talk with Mr. Frey.

Trisha S. ( )
Very professional, he is affordable and he makes the whole process quick and easy.  I highly recommend him if you are looking for a good lawyer.
Lisa V. ( )

Four-Steps to Financial Freedom

Our Bankruptcy Process

Bankruptcy sounds bad, but the reality is that it can be your lifeline. In fact, you will not need to recover from bankruptcy. Rather, you will recover through bankruptcy. After all, if you are struggling with your finances and do not have an immediate and solid solution, you will continue to struggle for the coming years, maybe even the coming decades. As you fight to stay afloat, your stress will intensify as your financial situation erodes.

Your financial stress will take over your life as your credit score shrinks and your debt grows.

When you declare bankruptcy, though, you can start focusing on things that matter, like your family, your friends, your career, or your hobbies. Instead of spending all your time worrying about money, you will actually be able to save money! You will feel peaceful, clear-headed, and worry-free for the first time in a long while.

That’s why Matthew Frey Law will make the process fast.

Free Consultation

You will meet with Attorney Matthew Frey to discuss the specifics of your case and explore all options. Bankruptcy is not for everyone, but if it makes sense for you, we will discuss the benefits, which include eliminating debt and the ability to improve your credit score. (Most of our clients are surprised to hear that after their bankruptcy, their credit scores can increase to 720 much, much faster—in just 12 to 24 months—by following our process.

When you leave, you will have confidence in the next steps and an understanding of how to increase your credit score to 720 so that you can receive the best rates on loans and credit cards.

Stop Creditor Calls

While you’re putting together the simple things we need to file your BK, we will make sure that all creditors stop calling you.

Sign and File

After you file bankruptcy, your homes, vehicles, and wages will be protected, and you will no longer receive calls and letters from collectors, creditors, and banks.

Rebuilding Your Life

If you don’t properly rebuild your life after bankruptcy, you are going to overpay on everything in life. For example, if you don’t rebuild your credit score, and buy a $15,000 car, you can easily overpay between $200 and $300 per month. It doesn’t have to be this way.

Matthew Frey Law contracted with, the creators of “7 Steps to a 720 Credit Score,” to provide this program to all of my clients -absolutely free- as part of their bankruptcy. The results speak for themselves… you can have a 720 credit score in 12-24 months after the bankruptcy.

Contact Matthew Frey Law


4901 Towne Centre Road, Suite 315
Saginaw, MI 48604


120 S Elm Ave Suite 2
Gaylord, MI 49734


106 4th Street
Kalkaska, MI  49464

We are open

Monday – Friday: 8:30am – 6pm

Free Case Evaluation

Bankruptcy is a powerful life changer. Complete the form below, and schedule your free consultation.


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