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.”

FAQs About Bankruptcy, Foreclosure & Debt Relief in Michigan

To help Michigan residents better understand their options, Michael answers some of the most common questions about bankruptcy, debt settlement, and creditor negotiations.

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 and Flint bankruptcy courts. He understands how trustees and judges in this region handle cases and uses that knowledge to prepare clients for what to expect.

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 to recover funds for clients harmed by debt relief or credit repair scams. Even if you’ve already filed bankruptcy, you may still have a claim.

Q: How does bankruptcy help stop foreclosure in Michigan?

A: Through Chapter 13 bankruptcy, foreclosure proceedings are stopped immediately by the automatic stay. This allows time to reorganize your mortgage payments and catch up on arrears.

Q: Can bankruptcy help with tax debt or second mortgages?

A: Often, yes. Michael has argued precedent-setting cases involving tax debt and lien stripping of second mortgages, creating opportunities for meaningful debt relief.

Q: Can debt settlement help me avoid bankruptcy?

A: Yes, in some cases. Debt settlement allows Michael to negotiate directly with your creditors to reduce what you owe or create a more affordable payment plan. While it’s not right for everyone, it can be a good alternative for clients who don’t qualify for bankruptcy or prefer to resolve debts outside of court.

Q: What kinds of debts can usually be settled?

A: Most unsecured debts — like credit cards, personal loans, and medical bills — can often be negotiated. Secured debts, such as mortgages or car loans, are handled differently, and Michael will explain all of your options before you decide which path to take.

Q: How is this different from hiring a debt settlement company?

A: Unlike many debt settlement companies, which often charge high fees and make promises they can’t keep, Michael uses legal protections and years of experience to negotiate directly with creditors. He makes sure your rights are protected and that any agreements are enforceable, transparent, and in your best interest.

Q: How do I know if I overpaid a debt settlement company in Michigan?

A: Many Michigan debt settlement and credit repair companies charge fees that exceed what the law allows. Under the Michigan Debt Management Act (DMA), companies must be licensed, may only charge a $50 initial fee, and cannot collect more than 15% of the debt they handle. Similarly, the Credit Services Protection Act (CSPA) requires services to be completed within 90 days. If you paid large upfront fees, ongoing “maintenance” charges, or never saw your debts actually reduced, there’s a good chance you overpaid — and 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.

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

A: You’ll have a no-cost, no-pressure conversation where Michael reviews your situation, explains your options in clear terms, and outlines next steps. If you’ve worked with debt relief companies in the past, bring those records — it could strengthen your case and even lead to financial recovery.

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.

Take the first step toward peace of mind.

We’ll connect you with a debt relief attorney for a free, no-pressure consultation.