A Helping Hand For Michigan Families
Over 75 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.
Me and my wife want to thank you and your team for all the help in successfully going through the discharge of our Chapter 13 bankruptcy case.
In particular, Cindy Millns has been prompt and responsive in providing all the necessary information. It has been a pleasure working with her.
First of all, we would like to thank you for all you guys have done. I appreciate the honesty, dedication and passion that you guys exhibited towards our case and answering my questions in a fast and complete manner. Given the situation, I know now I made the right choice with Acclaim Legal Services!
So…
I filed bankruptcy chapter 13 through your office and I’ve been dealing with Cindy Mills for 5 years.
She was very helpful and patient all these years.
I would like to just thank Cindy for being good to me and let you know that you have a great worker in your office I well recommend…
What a Wonderful Experience!
I just wanted to take a minute to let you know how very satisfied I am with the way my case was handled. From the very first phone call to the discharge “congratulations” email I received from Cindy Millns. I was scared to death to go down this path of Chapter…