A Helping Hand For Michigan Families
Over 75 years of combined legal experience advocating debt resolution for our clients.
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Chapter 13 is different from other debt management programs because our attorneys are able to use the law to provide you with legal protection from creditor actions (foreclosures, garnishments, harassing phone calls, etc.) and better, more uniform terms than other programs can offer. For instance, all of your unsecured debt (credit card bills, medical bills, etc.) is reduced to 0% interest for the duration of the Chapter 13 program. This avoids the snowball effect of late charges and high interest rates. The same goes for your mortgage arrearages, they are paid back at 0% interest throughout the plan with no additional late penalties. In addition, the plan prioritizes your secured debts over your unsecured debts – allowing you to concentrate all your efforts, up front, on bringing your secured debts – such as your home or vehicle – current before worrying about your other bills. Chapter 13 allows you to focus on reducing your overall debt. A Chapter 13 will also allow you to eliminate or reduce unsecured debt based on your income and your ability to pay.
In looking back, the best decision I made was to go with Acclaim – a bankruptcy only law firm. I was extremely stressed because of the financial situation I was in when I saw an advertisement for Acclaim. After my first visit I could finally feel hope.
I filed a Chapter 13, keeping my house,…
I wanted to take the time to commend attorney Chris Jones for the exceptional job he did in advocating for me during my case. This has been a long journey and his efforts, professionalism, and tenacity enabled me to finally receive a favorable judgment. Although I realize this is the beginning of…
I wanted to take a few moments and offer a sincere THANK YOU for all the hard work that everyone at Acclaim Legal Services has done so far on my Chapter 13 Bankruptcy case. As you know, this process has a lot of emotional attributes for the filing person and is not a position I ever foresaw.
Since…
Almost a year ago to the day, I walked into your office overwhelmed and defeated and hopeless because of where I was at financially as a result of a difficult divorce. This last year has been a long and hard journey.
My Chapter 13 attorney was awesome in court and brought conclusion necessary…