A Helping Hand For Michigan Families
Over 75 years of combined legal experience advocating debt resolution for our clients.
We look forward to earning your trust.
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.
Dear Julie, Thank you for the follow-up on our home foreclosure situation. We managed to borrow the money for our relatives to pay the reinstatement fee. Although it was very embarrassing, we felt it was the best course of action. I would like to thank you for all your help. We did talk to a couple…
Mr. Johnson, I would like to thank you for having an exceptional staff and for assisting me in my time of financial distress. Everyone was professional but at the same time very caring even when I was having a complete meltdown, your staff never lost patience with me. Please let me reiterate it was…
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…
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 helped…