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.
New Study Shows Staggering Percentage of Americans are Being Garnished - Are You at Risk? Steps to Protect Yourself!
Posted by AcclaimLegalService
In a recent study* providing the first national numbers available on the impact of wage garnishments, the findings show that a staggering 1 in 10 working Americans between the ages of 35 - 44 are experiencing a wage garnishment. That means that 10% of that adult sector is loosing 25% of their wages each pay period.
If you have unresolved debt, don't…
Recent Study Shows that Filing Chapter 13 Increases Your Life Expectancy & Your Bank Account!
Posted by AcclaimLegalService
In a study* released last month by the National Bureau of Economic Research, two economists examined half a million bankruptcy filing in the U.S. to determine the effect of bankruptcy laws on consumers and their subsequent outcomes. The results they cited are powerful:
"½we find that Chapter 13 protection increases…
Does Filing Bankruptcy Decrease Your Credit Score?
Posted by AcclaimLegalService
One of the biggest impediments or hurdles for people considering bankruptcy is the perception that it will have a negative impact on their credit. Will they be extended future credit?½..be able to purchase a house?½.a car? Yes, yes & yes! It surprises most people to learn that filing bankruptcy will actually have a positive effect on your credit. Why? Here are the reasons (& credit score projections…
New Bankruptcy Attorney, Francesca Lousia, Joins Acclaim Legal Services
Posted by AcclaimLegalService
The firm welcomes Francesca A. Lousia to our Southfield, Michigan office! Attorney Lousia joins Acclaim with over four years of experience in consumer bankruptcy, debt resolution and debt collection.
Attorney Lousia attended Wayne State University Law School where she received her Juris Doctor in 2008. While in law school, Attorney Lousia was a…
What is a Proof of Claim in Chapter 13 Bankruptcy?
Posted by AcclaimLegalService
Chapter 13, simply put, is a debt consolidation and reorganization plan that uses court oversight and Federal Law to provide protections and rights that may not be available in a typical debt management program. The plan is specific to each person's individual situation and circumstances. This allows for flexibility in terms of proposed repayment terms and how…
Is it Time to Consider Bankruptcy? 6 Questions to Ask Yourself½
Posted by AcclaimLegalService
How do you know if bankruptcy might be your best option for debt resolution?
Below are some typical questions we discuss with our clients at the initial free consultation to determine if they need our assistance with bankruptcy or a debt settlement solution. If you feel you may need to speak with a professional,…
Timelines While Filing a Chapter 13 Bankruptcy in Michigan
Posted by AcclaimLegalService
A Chapter 13 Bankruptcy, simply put, is a court authorized debt consolidation program. Because the Chapter 13 program provides court protection, the plan offers many unique benefits over traditional debt management programs. Below are some of the benefits of consolidating debt under a Chapter 13 Bankruptcy:
- Legal protection…
Recent Study Found that One Third of All Michigan Families are Experiencing Debt Collection
Posted by AcclaimLegalService
According to a recent study of more than 7 million American's by the Urban Institute, Michigan is ranked in the lowest bracket nationally for average debt load - great news, right?
- Average debt load in Michigan per household is $43,377 vs. the highest state, Virginia, with an average debt load of $74,279 per household.
While it is wonderful…
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…
Latest Posts
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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 -
Attorney Christopher Jones was nominated and voted to become a 2022 Super Lawyer
- Oct 17, 2022 -
What to Expect About Your Credit Report After Your Discharge
- Jul 04, 2022
My experience with the Chapter 13 process from beginning to end was challenging at times. Throughout the almost six years working with Acclaim Legal Services, I must say that from the very first day when my wife and I met with William Johnson to the final days working with Attorney Chris Jones and…
My wife and I would like to thank Acclaim Legal Services for all their expertise and support. Special thanks to Brian Rodriguez, Cindy Millns and Leanna Sikes who have been so supportive in this most difficult time in our lives regarding Chapter 13 and our set of rather severe circumstances.
Sorry this email is a long time coming. I would like to thank you for all you did for my wife and myself. You were always very prompt and informative whenever anything was needed. Many times I was scared and worried during that difficult time. You always helped…
I would like to take a few minutes to say thanks to your entire staff. In the past 51/2 years I have come into contact with a lot of them! Chris and Cindy have been very patient with my questions, e-mails and phone calls.
Acclaim Legal Services has given…