A Helping Hand For Michigan Families
Over 120 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…
I am a hard working and proud individual. So when I came to the realization that I might actually have to file bankruptcy, it really ran against everything my parents ever tried to instill in me. I have to say that I was embarrassed and a bit ashamed. However being a realist, I contacted your firm…
THANK YOU THANK YOU THANK YOU for all the work your firm did for us. We were at wits end with all the collection calls, until one of my wifes co-workers recommended ALS. Since that day 5yrs ago we have had the pressure removed. We were treated with the utmost…
Working with my Attorney was a very comfortable experience. I was scared going into the Chapter 7 bankruptcy process and didn’t know what to do. She walked me through the whole thing step by step. I would recommend her to anyone. Not only was I going through…