A Helping Hand For Michigan Families
Over 75 years of combined legal experience advocating debt resolution for our clients.
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A Chapter 13 is reorganization, repayment program through the court. It is a way of legally stopping creditor actions (i.e., harassing phone calls, garnishments, vehicle repossessions, foreclosure, etc.) and setting up repayment terms with your creditors. Through the Chapter 13 process, our lawyers will develop and submit to the court a customized repayment plan that fits your circumstances. The purpose of the plan is to get you back on track with your creditors and set up reasonable repayment terms to allow you to protect your property, such as a home that is in foreclosure. A temporary disruption in income (i.e., due to medical reason or layoff from work) or changes in circumstances (i.e., divorce, loss of overtime, etc.) are the primary reasons we see our clients filing for protection under Chapter 13.
Filing for Chapter 13 is nothing to be ashamed of. Good people often find themselves in tough circumstances that they did not anticipate and this program is designed to provide a personal strategy to pay back debts in a reasonable manner and timeframe.
Thank you William Johnson and Cindy Millns for doing such a great job handling my bankruptcy case and allowing me to get my life back in order. Thank you for giving me a chance to regain confidence and succeed in life to the fullest.
I will tell anyone in trouble with bankruptcy or mortgage…
I just wanted to let you know how much I appreciated your help throughout my Chapter 13 bankruptcy. I am so glad I decided to go with Acclaim Legal Services. Everyone I dealt with were very professional. I really appreciated how quickly you responded to me each time I had a question or concern.…
Five years ago I was in so much debt that I couldn’t think straight. I wasn’t eating or sleeping properly. Then I lost one of my jobs (neither one was paying very much, just a bit over minimum wage). I began to be late on my house notes every month. I got into a car accident which threw me behind…
I have worked primarily with Cindy. She has been terrific. She answered any concern I had promptly and courteously. It made a difficult situation easier to deal with.