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.
If you cannot afford or do not wish to keep the property any longer, you can surrender it to the creditor or let the foreclosure/repossession occur. In the case of a foreclosure, you often have a “redemption period” where you continue living in the house. You are able to sell the house before the expiration of the redemption period if you can pay off the lender in full. Remember that charges are still accruing even after the foreclosure sale, so make sure that you have an accurate pay-off before agreeing to terms of the sale.If you voluntarily surrender (or experience repossession on) a vehicle because you can no longer afford it, the lien holder will likely charge you with a deficiency balance of the loan. That is, the difference between what you owed on the loan and what they were able to sell it for at public auction.In the cases of high deficiency balance(s), second mortgages on your home that are not included in the foreclosure or a judicial foreclosure – you may want to file a Chapter 7 to discharge these debt obligations.
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…
I am writing to thank you for your excellent, client-oriented service through a difficult financial hardship.
I would recommend Acclaim Legal Services (ALS) to anyone seeking relief to the gradual and stressful, and at time, overwhelming pressure of financial debts.
After a thorough…
This letter serves as a commendation report for the outstanding legal services provided by Acclaim, its attorneys and the legal support staff. My case was handled with efficiency, proficiency and with professionalism. Mr. Joe Novell, the attorney, explained every aspect of my case to me; at no point…
Thank you for taking the time on Monday, to explain to me all the details of my case. I really learned a lot from our talk. There should be more people in the world like yourself to make time for others that don’t understand the legal/law side of business.
Thanks so much and God Bless you…