A Helping Hand For Michigan Families
Over 120 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.
I wanted to extend my gratitude for helping me understand my Foreclosure/Chapter 7 situation. I left our meeting feeling reassured about my situation. You presented the information in a way I could understand. I have consulted with legal counsel in the past and they did not have the sincerity and…
THANK YOU THANK YOU THANK YOU for all the work your firm did for us. We were at wits end with all the collection calls, until one of my wifes co-workers recommended ALS. Since that day 5yrs ago we have had the pressure removed. We were treated with the utmost courtesy and professionalism. The…
It has been a pleasure working with you and Atty Chris Jones. Thank you very much for all your help and guidance. God bless you all. Thumbs up for your services.
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!