About Sterling Bankruptcy Center

Our law firm represents debtors in Consumer and Business Bankruptcy cases and related matters which currently constitutes 100 % of our practice. Our attorneys and staff are dedicated to meeting client's needs and providing high quality legal work. When you contact us, you can be assured that you will always speak directly to an experienced bankruptcy professional.

Our success is based largely on the quality relationships we build and maintain with clients. Clients are treated with respect, integrity, and compassion during this very difficult time in their lives. We will communicate with you throughout the bankruptcy process AND afterwards, so that any questions or concerns you have will be answered.

We use the latest technology and cost-effective methods to provide quality legal representation at reasonable costs so that we are affordable to most everyone.  Contact Sterling Bankruptcy Center today to discuss your options and see if bankruptcy is right for you.

For over 12 years, Janet Ziulkowski has represented thousands of individuals, business owners and companies get their financial fresh start. She is an experienced litigator and has represented many debtors in adversary proceedings that allowed them to remove their second/junior mortgages.  She regularly assists individuals and businesses in structured work outs as an alternative to bankruptcy. 


Janet received her law degree from the University of Detroit Mercy, School of Law where she was the editor of the Michigan Business Law Journal.  She obtained an honors degree in psychology from Wayne State University where she was awarded the Presidential Scholarship.


She specializes in individual and business bankruptcy, removing second mortgages (lien stripping), mortgage modification, debt reduction and/or elimination, workouts, and other non-bankruptcy alternatives. 


Janet is admitted to practice in the:

·         U.S. Supreme Court;

·         U.S. Court of Appeals, 6th Circuit;

·         Federal District Court for the E.D. Michigan;

·         Federal District Court for the W.D. Michigan;

·         State of Michigan.


She is also an active member of the:

·         National Association of Consumer Bankruptcy Attorneys;

·         American Bankruptcy Institute;

·         Consumer Bankruptcy Association;

·         National Association of Consumer Advocates.

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