A Helping Hand For Michigan Families
Over 120 years of combined legal experience advocating debt resolution for our clients.
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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.
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Just wanted to thank you for all your help settling our deficiency with the bank.
After finding out the bank wanted us to pay the difference between what we owed them on the house and what they sold it for, I didn’t know which way to turn…the thought of possibly loosing our building kept…
My overall experience with Acclaim Legal Services has been excellent. They created a workable budget for me while allowing me to reduce my debt. They were very prompt and helpful when I had questions or concerns. They helped me modify my home mortgage so that…
Working with my Attorney was a very comfortable experience. I was scared going into the Chapter 7 bankruptcy process and didn’t know what to do. She walked me through the whole thing step by step. I would recommend her to anyone. Not only was I going through…
I have had a bankruptcy case and effect since around May 2018.
Cindy and Brian have been the individuals primarily concerned with my case.
I was with many other people in life this bankruptcy was a very traumatic experience for me.
My immediate family my mom my sister my stepdad…