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.
It has been a pleasure working with Cindy Millns and Atty Chris Jones. They answered my email with concerns right away. They guided me through. And Cindy, she is very friendly and always ready to answer my questions. Overall, I will give them 5 shinning stars.
Dear Julie, Thank you for the follow-up on our home foreclosure situation. We managed to borrow the money for our relatives to pay the reinstatement fee. Although it was very embarrassing, we felt it was the best course of action. I would like to thank you for all your help. We did talk to a couple…
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!
I greatly appreciate the excellent job done by Attorney Chris Jones together with Cindy Millns upon the completion of my Chapter 13. They are very prompt and thorough in helping me resolved my 2nd mortgage, credits, helped me make a realistic budget all thru…