A Helping Hand For Michigan Families
Over 120 years of combined legal experience advocating debt resolution for our clients.
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If the mortgage company agrees to stop the sale and offer you repayment terms, you would not necessarily need to file for Chapter 13. Make sure you get the agreement in writing PRIOR to the sale date to protect your rights. It is important to understand your rights under Chapter 13 before you enter into an agreement with the mortgage company, as you may find that you are better off accepting the terms of the Chapter 13 than what the mortgage company is willing to accept outside of the court process. Often, the terms are more beneficial to the debtor under the Chapter 13 with a longer time to pay back the missed payments and with no additional late penalties or interest charges on the arrearage portion. Unlike a direct payment arrangement with the mortgage company, the Chapter 13 offers a full debt consolidation program to manage all your debts and provides optional repayment terms. Sometimes other debts, such a credit card bills, medical bills, etc., drain a budget of necessary money to stay current on the mortgage. The Chapter 13 program allows us to prioritize the mortgage and focus your efforts.
I would love to let you know about my experience with Kevin,Chris and Cindy. They gave my husband and I are life back. We have a list of life major hurdles. I can say without a doubt they were the only ones we could count on with truth and facts and promptness. I do not know what I would of done…
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…
We would like to say thank you to Acclaim Legal Services- especially to Cindy Millns and Christopher Jones for helping us with the Chapter 13 process.
We appreciate all that you have done for us – you were always there to answer any questions that we had and to get back to us very quickly.…