A Helping Hand For Michigan Families

MICHAEL T. BROWN

Managing Attorney — Warren & Macomb County Bankruptcy Lawyer
248.443.7033 ext. 226 | Michael@AcclaimLegalServices.com

About Michael, Warren Bankruptcy Attorney

Michael T. Brown is the Managing Attorney of Acclaim Legal Services’ Warren office, where he helps individuals, couples, and small business owners throughout Macomb County and Metro Detroit find real solutions to overwhelming debt. With a Bachelor of Arts in Pre-Law (Humanities) and cognates in Philosophy and English from Michigan State University (2004), followed by a Juris Doctor from MSU College of Law, Cum Laude (2007), Michael combines legal expertise with a thoughtful, people-centered approach.

For over 15 years, Michael has represented clients in Chapter 7 and Chapter 13 bankruptcy, foreclosure prevention, debt restructuring, and bankruptcy litigation. His reputation is built on his ability to simplify complex legal issues, provide clear direction, and fight for long-term solutions that allow his clients to regain stability and move forward with confidence.

Recognition, Credentials & Leadership in Michigan Bankruptcy Law

Michael’s recognition as a trusted Warren bankruptcy attorney comes from years of leadership in Michigan’s bankruptcy community, paired with strong academic and professional credentials.

• Member, State Bar of Michigan
• Admitted to practice in:
• U.S. District Court for the Eastern District of Michigan
• U.S. District Court for the Western District of Michigan
• U.S. Court of Appeals for the Sixth Circuit
• Member, Federal Bar Association
• Board of Directors, Consumer Bankruptcy Association (2023–Present)
• Contributor, American Bankruptcy Institute Journal 
• Frequent presenter at Federal Bar Association seminars on exemptions, lien stripping, and bankruptcy repayment plan issues (read his update on Michigan Bankruptcy Exemptions)

Bankruptcy & Debt Relief Services Across Michigan

Michael’s service areas as a Warren and Macomb County bankruptcy lawyer include Sterling Heights, Roseville, Eastpointe, Clinton Township, and the greater Metro Detroit region, where he provides personalized bankruptcy and debt relief strategies. His familiarity with local trustees and courts helps him tailor legal strategies that protect homes, vehicles, and wages while creating paths to financial recovery.

Core Practice Areas

• Chapter 7 Bankruptcy — Eliminate unsecured debt such as credit cards, medical bills, and personal loans.
• Chapter 13 Bankruptcy — Restructure debt, save homes from foreclosure, and catch up on mortgage arrears.
• Bankruptcy Litigation — Representing clients in contested matters and appeals in state and federal court.
• Debt Resolution & Credit Rebuilding — Practical strategies to rebuild financial health after bankruptcy.
• Debt Settlement & Creditor Negotiation — For clients who simply want to settle their debts, Michael frequently negotiates directly with creditors to resolve debts for less than the full balance owed. This approach can stop collection efforts if a settlement is made, reduce total debt owed and provide a faster path out of debt without filing bankruptcy.

Specialty: Debt Relief & Debt Settlement Refund Claims

Beyond traditional bankruptcy services, Michael has developed a unique specialty in helping clients who were harmed by debt settlement, consolidation, or credit repair companies. Many of these companies charge excessive fees, fail to resolve debts, and leave clients still needing to file bankruptcy.

Michael uses Michigan’s Debt Management Act (DMA) and the Credit Services Protection Act (CSPA) to pursue refunds for clients who were misled or overcharged — sometimes retrieving thousands of dollars that would have otherwise been lost.

Read more about recovering money from debt settlement scams

Client-Focused Approach to Bankruptcy, Debt Settlement & Litigation

Michael believes that bankruptcy is a turning point, not a defeat. He understands that clients often arrive at his office after months or years of stress — facing creditor calls, lawsuits, or foreclosure notices — and need not just legal representation, but a clear plan they can trust.

Michael also understands that bankruptcy isn’t always the right fit. In many cases, he helps clients resolve debt through direct creditor negotiation and settlement — reaching agreements that reduce what’s owed and avoiding hidden fees, pitfalls and unfavorable tax consequences. This option can be especially valuable for clients who don’t qualify for bankruptcy or simply want to explore alternatives before filing. His balanced approach ensures that clients fully understand both bankruptcy and non-bankruptcy options, so they can make the decision that best protects their financial future.

In every meeting, Michael explains options in straightforward, relatable terms, ensuring clients leave with confidence about their next steps. He encourages clients to:

• Gather key documents — pay stubs, tax returns, bank statements, and a list of debts.
• Stay informed — ask questions at every stage; he welcomes them.
• Be open about challenges — honesty ensures the most effective legal strategy.

Precedent-Setting Bankruptcy Case Results in Michigan

As a bankruptcy litigation attorney in Michigan, Michael has successfully briefed and argued multiple precedent-setting cases that continue to shape how bankruptcy law is applied across the state:

• In re Rogers, 500 B.R. 537 (Bankr. W.D. Mich. 2013)
• In re Cripps, 549 B.R. 836 (Bankr. W.D. Mich. 2016), aff’d 566 B.R. 172 (W.D. Mich. 2017)
• In re Hirsch, 550 B.R. 126 (Bankr. W.D. Mich. 2016)
• In re Snorden, 559 B.R. 857 (Bankr. W.D. Mich. 2016)
• In re Gonzales, 578 B.R. 627 (Bankr. W.D. Mich. 2017)
• In re Cogswell, 652 B.R. 179 (Bankr. E.D. Mich. 2023)

These cases have shaped how bankruptcy law is applied in Michigan, influencing outcomes for future debtors.

In Their Own Words: Client Experiences with Michael Brown, Michigan Bankruptcy Lawyer

Michael’s reputation as a Warren and Macomb County bankruptcy lawyer is best reflected in the words of his clients, who describe his work as patient, thorough, and life-changing.

"Peace of mind knowing I had such a great team" — Jeffrey Green

“The team at Acclaim Legal Services went above and beyond to help me through my case. Even through the bumps in the road on my part, Mr. Brown, Mr. Beard, and Ms. Paree were always there to point me in the right direction. They gave me peace of mind knowing I had such a great team backing me up! Highly recommend!”

"Professional, responsive, and always one step ahead" — Theresa Tinney

“Fabulous experience with Michael Brown and Deanna. I highly recommend them to anyone looking for a good financial attorney! They were professional, answered all emails and questions immediately, and were 100% on the ball before I even asked the question. Took care of everything I needed!”

"Patient and informative" — Lance Owens

“Michael Brown was my attorney for a consultation about my debt situation. He was very patient and informative, answering all my questions and breaking down the bankruptcy process. The receptionist was polite and got me a consultation right away. I’m happy to refer anyone who might need their services.”

"Welcoming and honest" — Elizabeth Kroening

“As someone who found speaking to an attorney intimidating, Michael blew us away with his welcoming demeanor. He was honest, thorough, and straightforward with all the information. He’s truly an incredible asset to the firm. I can’t thank him enough for everything he’s done.”

"Simplified the process" — Curtis Blackledge

“What I had imagined would be a confusing and stressful experience, Michael Brown turned into a simple and well-explained process. I felt in control and involved the entire time. Can’t thank him enough for how smoothly everything went.”

Frequently Asked Questions About Chapter 13 Bankruptcy & Debt Relief in Warren, Macomb County & Metro Detroit

As the Managing Attorney of Acclaim's Warren office, Michael Brown regularly helps clients throughout Macomb County and Metro Detroit understand their bankruptcy options. Here are answers to the most common questions he receives about Chapter 13 bankruptcy and debt relief:

Q: I live in Macomb County — will my bankruptcy case be handled locally?

A: Yes. Michael is the Managing Attorney of our Warren office and regularly represents clients in the Detroit bankruptcy courts. He understands how trustees and judges in this region handle cases and uses that knowledge to prepare clients for what to expect. His familiarity with local Chapter 13 trustees in the Eastern District helps him create realistic payment plans that get confirmed and completed successfully.

Q: How does bankruptcy stop foreclosure in Michigan?

A: Through Chapter 13 bankruptcy, foreclosure proceedings are stopped immediately by the automatic stay. This legal protection gives you breathing room to catch up on missed mortgage payments through a court-approved repayment plan, typically over 3-5 years. The automatic stay stops the foreclosure sale, and Chapter 13 allows you to cure the arrears while making current payments.

Q: What should I expect at my first meeting with Michael?

A: You'll have a free, in-depth conversation where Michael reviews your situation, explains your options in clear terms, and outlines next steps. Bring recent pay stubs (last 2 months), bank statements, tax returns (last 2 years), and a list of your debts with creditor names and approximate balances. Also bring information about any lawsuits, wage garnishments, or foreclosure notices you've received. Michael will walk you through whether Chapter 7 or Chapter 13 is right for your situation, or if debt settlement might be a better option. He'll explain the timeline, costs, and what you can expect throughout the process.

Q: Will filing bankruptcy affect my ability to buy a home in Warren or Macomb County?

A: Bankruptcy does impact your credit initially, but most clients in Warren and Macomb County see their credit scores begin improving within 12-24 months after filing. Many former clients successfully qualify for FHA mortgages within 2-3 years after bankruptcy discharge. Michael provides practical guidance on credit rebuilding strategies and can help you understand the timeline for major purchases like buying a home in Metro Detroit. The key is to rebuild credit responsibly after discharge by maintaining current payments on any remaining debts and establishing new positive credit history.

Q: What's the difference between Chapter 7 and Chapter 13 bankruptcy in Warren?

A: Chapter 7 is a liquidation bankruptcy that typically takes 4-6 months and eliminates most unsecured debts like credit cards and medical bills. However, you must qualify based on income, and if you're behind on your house or car payments, Chapter 7 won't help you catch up. Chapter 13 is a reorganization bankruptcy lasting 3-5 years that allows you to catch up on mortgage arrears, car payments, and priority debts like taxes through a court-approved payment plan. Chapter 13 is often the better choice for Warren and Macomb County residents who want to save their home from foreclosure, catch up on vehicle payments, or deal with tax debts. Michael will analyze your income, debts, and goals to recommend which chapter makes the most sense for your situation.

Q: How much does Chapter 13 cost and how do payments work in Macomb County?

A: The upfront costs to file Chapter 13 bankruptcy include a $313 court filing fee, plus approximately $75 for an individual (or $120 for a couple) to cover mandatory credit counseling and your tri-merge credit report—which ensures all creditors are properly notified in your case. Attorney fees can be paid through your Chapter 13 plan, meaning you typically only need a portion upfront to get your case filed and the automatic stay in place. During your free consultation at our Warren office, Michael will review your specific situation and provide a complete cost breakdown with no surprises or hidden fees.

Once your case is filed, you'll make monthly payments to a Chapter 13 trustee, who distributes funds to your creditors according to your court-approved plan. Your payment amount is based on your income, necessary expenses, and the debts you need to repay (like mortgage arrears, vehicle loans, priority taxes). Michael creates realistic budgets that clients can actually afford for the 3-5 year plan period. Acclaim Legal Services maintains an 80%+ Chapter 13 confirmation rate, significantly higher than the 35-40% national average, meaning your plan is much more likely to be approved and successfully completed.

Q: Can Chapter 13 help if I'm behind on my mortgage in Metro Detroit?

A: Yes — this is one of Chapter 13's most powerful features. If you've fallen behind on mortgage payments and are facing foreclosure in Warren, Sterling Heights, Roseville, Eastpointe, Clinton Township, or anywhere in Metro Detroit, Chapter 13 allows you to catch up on the arrears through your 3-5 year repayment plan while continuing to make current mortgage payments. The automatic stay stops the foreclosure immediately when you file, giving you time to reorganize. As long as you can afford your current mortgage payment going forward plus a portion of the past-due amount, Chapter 13 can save your home. Michael will review your mortgage statement, calculate the arrears, and determine if a Chapter 13 plan is feasible for your budget.

Q: What debts can be eliminated or reduced in Chapter 13?

A: Chapter 13 handles different debts differently. Secured debts (mortgage, car loans) must be paid in full if you want to keep the property, though you can catch up on arrears through the plan. Priority debts (recent taxes, child support, alimony) must be paid in full. Unsecured debts (credit cards, medical bills, personal loans) are paid based on your disposable income — often pennies on the dollar. At the end of your 3-5 year plan, any remaining unsecured debt is discharged. Michael has also successfully stripped second mortgages when homes are underwater, removing tens of thousands in debt. The key is structuring the plan correctly from the start, which is why experience matters. Michael's litigation background and familiarity with Michigan bankruptcy courts helps ensure your plan is structured for maximum debt relief.

Q: I paid a debt settlement company in Michigan and still had to file bankruptcy. Can I get my money back?

A: Yes — in many cases. Michael has successfully used Michigan's consumer protection laws (the Debt Management Act and Credit Services Protection Act) to recover funds for clients harmed by debt relief or credit repair scams. Many of these companies charge excessive fees that violate Michigan law, fail to reduce debts as promised, and leave clients worse off than before. If you paid large upfront fees, ongoing "maintenance" charges, or never saw your debts actually reduced, you may be entitled to a refund. Michael reviews contracts, payment records, and creditor activity to determine if a company violated Michigan law and helps clients pursue recovery of those funds, often alongside bankruptcy or debt settlement strategies. Even if you've already filed bankruptcy, you may still have a claim.

These FAQs were last reviewed and updated by Michael T. Brown in January 2026. Bankruptcy laws and procedures can change. For current information specific to your situation in Warren, Macomb County, or Metro Detroit, call 866-261-8282 for a free consultation.

Take the First Step Toward a Fresh Start: Schedule a Free Consultation in Warren (Serving Macomb County & Metro Detroit)

Michael knows how overwhelming it can feel when debt and financial pressure start to take over your life. He’s helped countless people in Warren, Macomb County, and across Metro Detroit move from stress and uncertainty to stability and peace of mind — and he’s ready to do the same for you.

Your first conversation with Michael is at no cost and comes with no obligation. Instead of pressure, you’ll get practical answers, clear next steps, and the reassurance of having a trusted advocate on your side.

Call 866-261-8282 or Schedule a Free Consultation
Let Michael help you protect what matters most, regain control of your finances, and move forward with confidence.

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