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 7 Bankruptcy is a straight debt elimination program in which all or most unsecured debts are discharged. Chapter 13 reorganization is a repayment plan that focuses on stopping creditor actions on secured debts, such as home foreclosures, and allowing you to consolidate other bills to create an affordable monthly budget. A Chapter 7 applies when your monthly income only meets your basic living expenses (i.e. mortgage payments, food, clothing, utilities, etc.). A Chapter 13 applies when you have some disposable income to pay your creditors, even if you cannot pay the debt in full. A Chapter 13 will stop a foreclosure sale or vehicle repossession. The plan will allow you to resume your regular monthly payments while paying the missed payments over time.
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 courtesy and professionalism. The…
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…
I wanted to take a few moments and offer a sincere THANK YOU for all the hard work that everyone at Acclaim Legal Services has done so far on my Chapter 13 Bankruptcy case. As you know, this process has a lot of emotional attributes for the filing person and is not a position I ever foresaw.
Since…
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…