A Helping Hand For Michigan Families
Over 120 years of combined legal experience advocating debt resolution for our clients.
We look forward to earning your trust.
Can I Choose Which Debts or Creditors to Include in My Bankruptcy?
Posted by AcclaimLegalService
The answer: Yes & No! Confused? Read more about the specifics of how debts are treated in bankruptcy and the key differences between filing a Chapter 7 and Chapter 13 bankruptcy in Michigan. Also, our firm does offer a free consultation - over the phone or at one of our seven Michigan locations in: Detroit, Ann Arbor, Dearborn, Flint, Warren, Lansing…
Paying Attorney Fees for Filing Chapter 7 Bankruptcy in Michigan
Posted by AcclaimLegalService
How are attorney fees handled in consumer bankruptcy cases in Michigan?
- In a Chapter 7 Bankruptcy, the attorney fees are paid directly to the retained attorney. In a Chapter 13 Bankruptcy, most often the attorney's fees are paid through the Chapter 13 Trustee.
- The fees under a Chapter 7 Bankruptcy will also vary from…
Filing Chapter 7 Bankruptcy in Michigan: What is the Difference Between a Discharge and a Closed Case?
Posted by AcclaimLegalService
A court discharge is issued in a Chapter 7 bankruptcy when you have met all of the following requirements:
- Completed pre-filing credit counseling. A Certificate of completion must be filed with the court with your filing documents;
- Filed petition and schedules;
- Provided supporting documents (i.e tax returns and paystubs) to the court appointed…
When are You Officially Bankrupt?
Posted by AcclaimLegalService
This may sound like a question with an obvious answer - you are bankrupt when you file for bankruptcy, right? We don't think it is that simple. It may depend on how you look at or define bankrupt vs. bankruptcy. At Acclaim Legal Services, we view bankruptcy as a financial tool to consolidate or eliminate debt to bring finances into balance and find lasting debt resolution. We believe that…
Chapter 7 & Chapter 13 Bankruptcy Filings Fees Will Increase on 6/1/14
Posted by AcclaimLegalService
The Judicial Conference approved new filing fee increases that will become effective June 1, 2014. What does this mean? After June 1st, it will cost slightly more to file for bankruptcy protection. It is not too late to file before these fees increase. We offer free consultations to discuss your bankruptcy and debt resolution options and we…
How are Parking Tickets and Driver Responsibility Fees Handled in a Michigan Bankruptcy? By Managing Attorney Christopher Jones
Posted by AcclaimLegalService
The issue of how parking tickets and driver responsibility fees (DRF) are treated in bankruptcy is an often discussed topic within bankruptcy circles and there are several variables to consider. It is hotly debated because there is not a bankruptcy court ruling interpreting the exact nature of the driver's responsibility fees (DRF) in relation to the bankruptcy code.
Driver Responsibility…
Top 5 Timing Factors for Filing Bankruptcy in Michigan
Posted by AcclaimLegalService
As the old saying goes, "timing is everything!" There is definitely timing factors to maximize available protections and benefits for filing for Chapter 7 or Chapter 13 bankruptcy in Michigan. For a clear understanding of your personal debt resolution options, we suggest taking advantage of our free consultation offer to meet with a licensed Michigan bankruptcy attorney. At that meeting, we will…
Asymmetrical Norms in Bankruptcy - Why Corporations Have the Upper Hand
Posted by AcclaimLegalService
What is an "asymmetrical norm" anyway? Simply put, it is when a different set of moral rules or encumbrances apply for the different parties with the same circumstances. For instance, corporations aren't burdened by the same set of moral considerations or expectancies that individuals are - they don't experience guilt, embarrassment or shame. So how does this play out in the world of finances…
Loan Default in Michigan - Will my Credit Union or Regional Bank Pursue Me for the Debt?
Posted by AcclaimLegalService
In general, banks are becoming more aggressive in pursuing loan deficiency claims. From our experience, small regional banks and credit unions are much more likely to pursue collection on a loan default simply because:
- They cannot absorb losses like larger banks;
- They do not receive government funding to offset losses.
What…
Substitution of Attorney Counsel for a Chapter 7 or Chapter 13 Bankruptcy....When, Why & How?
Posted by AcclaimLegalService
Circumstances arise when there is a breakdown in communication or trust between a client and his or her attorney. In these instances the court allows for a "Substitution of Counsel." This process allows the client to seek another law firm and bankruptcy attorney to takeover their case. We usually encourage people who call who already have representation to try and exhaust all options for repairing…
Latest Posts
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Managing Attorney Chris Jones was recently interviewed about filing for bankruptcy and the benefits of Chapter 13 bankruptcy.
- Oct 21, 2024 -
Attorney Michael Brown Author's Articles for American Bankruptcy Institute
- Jul 22, 2024 -
Attorney Christopher W. Jones Quoted in DS News Magazine
- May 23, 2023 -
Michigan Foreclosure Forecast for 2023
- May 12, 2023 -
Avoiding Bankruptcy in 2023
- May 09, 2023
Over the past few years I have been working with Cindy Millns for my case. She has been so easy to work with and helpful, that I cannot express enough gratitude for her professionalism and courtesy during my troubling times. She took the time to answer phone…
I would like to extend a special thank you to your firm, especially Cindy Millns and our attorney – they were both very helpful in this whole process very reassuring. I would recommend your firm to anyone that needs assistance!
I just wanted to let you know how much I appreciated your help throughout my Chapter 13 bankruptcy. I am so glad I decided to go with Acclaim Legal Services. Everyone I dealt with were very professional. I really appreciated how quickly you responded to me…
Acclaim Legal Services staff was outstanding! Turnaround time was usual within 24-36 hours in response to a question! The Attorneys give you good advice and really care about their clients! High recommendation given!