A Helping Hand For Michigan Families
Over 75 years of combined legal experience advocating debt resolution for our clients.
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In the Chapter 13, a co-signer does not have to file the case with you in order to protect your property or set up repayment terms. If the debt is being paid in full through the plan, the co-debtor is released from further obligation once the debt has been fully satisfied. If the debt is not paid in full through the terms of the plan, the creditors can collect the unpaid balance of the debt from the co-signer. In the case of a Chapter 7, if you plan on eliminating the debt (such as surrendering a vehicle), the creditor could still pursue collections from the co-debtor for the balance of the contract. The filing of a Chapter 7 will eliminate the debt of the person who is filing, not the debt of the co-signor (unless the person whom is co-signing is your spouse and has filed the case with you).
Over the past few years I have been working with Cindy Millns for my case. She has been so easy to work with and helpful, that I cannot express enough gratitude for her professionalism and courtesy during my troubling times. She took the time to answer phone calls and emails when I needed answers…
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…
Cindy from your office gave me your information for feedback about our case.
Today she sent us a copy of the courts discharge, so our immediate feeling is over joyed to be done with the process. At the beginning we had no idea what to expect, but everyone in your office took their time to…
When I started at Acclaim they were every helpful in explaining the things i need to know an what all the paper work i needed to get together.. As i went through all the process on my Chapter 13 bankruptcy they kept me informed of all i need to do and to get for them. If i ever had a question they…