A Helping Hand For Michigan Families
Over 75 years of combined legal experience advocating debt resolution for our clients.
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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.
I have worked primarily with Cindy. She has been terrific. She answered any concern I had promptly and courteously. It made a difficult situation easier to deal with.
Thank you for all of your help whenever I called or emailed you regarding my bankruptcy case. You were always helpful and quick to respond on helping me. I truly appreciate the awesome legal service that team at Acclaim Legal Services provided.
Many blessings to all of you! Thank you!
I along with my husband would like to thank our attorney and Acclaim Legal Services for their outstanding service during our Chapter 13 bankruptcy. Stacy was able to push our home modification through smoothly and rapidly after failed attempts by my husband and me to work with our mortgage company…
Thank you William Johnson and Cindy Millns for doing such a great job handling my bankruptcy case and allowing me to get my life back in order. Thank you for giving me a chance to regain confidence and succeed in life to the fullest.
I will tell anyone in trouble with bankruptcy or mortgage…