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This is not the case. Under Chapter 13 reorganization, we propose a balanced budget plan, subject to Court approval. We look at all of your expenses to ensure that have adequate money to meet your monthly living expenses. We base our budgets and the court evaluates it based on IRS expense standards to ensure that the amounts are fair and adequate. In fact, your monthly living expenses take priority in the budget over monies that are paid to your unsecured creditors (credit card and medical bills, judgments, deficiency debt, personal loans, etc.). You still maintain control over and pay for your ongoing monthly living expenses directly, they are not paid through the Chapter 13 plan.
If your expenses change, we have the opportunity at any time to amend the budget plan. This is called a plan modification. We could potentially reduce what you are required to pay to the unsecured creditors to provide more money for living expenses as your needs and expenses change.
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!
This letter serves as a commendation report for the outstanding legal services provided by Acclaim, its attorneys and the legal support staff. My case was handled with efficiency, proficiency and with professionalism. Mr. Joe Novell, the attorney, explained every…
The help I received from acclaim was invaluable! Considering the complexity of bankruptcy, I’m especially thankful for the assistance of my attorney in establishing a plan and initiating the process. I’m also thankful for the ongoing help of paralegal Nicole…
We want to thank Mr.William Johnson and everyone at Acclaim Legal Services for assisting us throughout our Chapter 13 plan, always available, always ready to assist us, such a long journey, so many ups and downs to finally, getting through these 5+ long years, thankfully it is now over, this has