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.
Prior to filing a Chapter 13 Reorganization, one of my biggest concerns was “how will this affect my credit?” After talking with one of the attorneys at Acclaim Legal Services, they showed me that a Chapter 13 would allow me to consolidate my bills based on my income and my living expenses and lower…
I retained representation with Acclaim Legal Services after I had previously retained representation by a different law firm. My previous attorney was never available for me to consult with them, and treated me very rudely. As a result of this treatment I decided to retain Acclaim Legal Services to…
I would like to reach out and express my thank you and gratitude to Alisha Goguen.
I would like to start by saying that I am a proud individual that due to life’s crazy path, lead me to needing assistance with a matter that was beyond my scope. As hard as it is to have to file a bankruptcy,…
I would like to take a moment and recognize our attorney and his team. They were very accommodating and courteous throughout our entire Chapter 13 process. When we had a question we would email them or call and they would promptly get back to us with an answer. We came into this terrified and not…