A Helping Hand For Michigan Families

STEPHEN J. BEARD

Managing Attorney — Lansing & Flint Offices
517.210.9431 | Stephen@AcclaimLegalServices.com

About Stephen, Lansing & Flint Bankruptcy Attorney

As the Managing Attorney for Acclaim Legal Services’ Lansing and Flint offices, Stephen J. Beard is known for his blend of legal expertise and genuine compassion for clients facing financial difficulties. With over a decade of legal experience, Stephen has guided countless Michigan residents through Chapter 7 and Chapter 13 bankruptcies, foreclosure prevention, and debt resolution strategies.

Clients often describe him as both approachable and meticulous — someone who will take the time to listen, explain every option in clear, relatable terms, and follow through until the matter is resolved. Stephen views bankruptcy not as a defeat, but as a powerful legal tool to regain stability and rebuild a future.

Education & Legal Credentials

• Bachelor of Arts in Journalism, Michigan State University (2004)
• Juris Doctor, Loyola University Chicago School of Law (2012) — Dean’s List

Professional Memberships & Admissions in Michigan Bankruptcy Law

• State Bar of Michigan
• Federal Bar Association
• Admitted to practice in the U.S. District Court for the Eastern District of Michigan
• Admitted to practice in the U.S. District Court for the Western District of Michigan
• American Bankruptcy Institute (ABI)
• National Association of Consumer Bankruptcy Attorneys (NACBA)

Bankruptcy & Debt Relief Services in Lansing, Flint, and Mid-Michigan

Stephen proudly serves clients throughout Lansing, Flint, and the greater Mid-Michigan region, meeting people where they are during some of the most stressful financial moments of their lives. He understands that debt problems don’t just affect your credit score — they impact your home, your job, your family, and your sense of peace. His work is focused on helping clients protect what matters most while creating a sustainable path forward.

Serving Clients Across Lansing, Flint, and Northern Michigan

Stephen works with clients across a wide stretch of Michigan. His practice is rooted in Mid-Michigan but extends north, ensuring individuals and families throughout the state have access to trusted guidance during financial hardship.

• Lansing & Ingham County — Helping residents stop foreclosures, wage garnishments, and creditor lawsuits while building a path toward stability.
• Flint & Genesee County — Supporting clients with complex Chapter 7 and Chapter 13 bankruptcy cases, as well as debt negotiation and credit rebuilding strategies.
• Mid-Michigan Communities — Serving surrounding counties with practical solutions for debt relief, foreclosure prevention, and bankruptcy planning.
• Northern Michigan — Extending services to clients in northern communities who often face unique financial challenges and limited access to local bankruptcy specialists.

Chapter 7, Chapter 13, and Foreclosure Prevention Strategies

Stephen’s practice covers the full spectrum of consumer bankruptcy and debt relief, including:

• Chapter 7 Bankruptcy – A fresh start by eliminating unsecured debt such as credit cards, medical bills, and personal loans.
• Chapter 13 Bankruptcy – Restructuring debt into a manageable repayment plan, often allowing clients to save their homes or vehicles.
• Foreclosure Prevention – We can stop a home foreclosure and force the lender into a structured repayment plan.
• Debt Negotiation & Settlement – Helping clients work directly with creditors to reduce balances or create more affordable repayment terms.
• Credit Restoration Strategies – Offering guidance on how to rebuild credit after bankruptcy so clients can move forward with confidence.

Client Commitment: Compassionate Debt Relief in Michigan

Stephen’s approach is rooted in listening first and advising second. He works to ensure clients leave every meeting with a clear plan, realistic expectations, and a sense of relief that someone is advocating for them.

His ability to balance legal precision with human understanding makes him a trusted partner in navigating financial recovery. He also collaborates closely with the Lansing and Flint paralegal teams to keep cases moving smoothly, so clients can focus on rebuilding their lives.

In Their Own Words: Client Experiences from Lansing & Flint Bankruptcy Cases

"Beyond helpful" — Jannise Newby

“The superb service rendered by S. Beard was beyond helpful. I appreciate the time and concern shown, as well as his availability for follow-up. Hands down, Acclaim Legal Services goes beyond the call of duty to help the consumer acquire accurate and factual insight for the presenting problem or concern.”

"Made everything run smoothly" — Michele

“Stephen was great — he was the first person I met with that went over the process with me and what I should expect. Briget was at my hearing and it ran smoothly and was complete in less than 10 minutes. I’m so happy that I chose a knowledgeable staff — they reduced my stress level significantly. Thank you so much!”

"Kind and helpful" — Destiny Tulgetske

“Stephen Beard and Sarah Friant have been so kind and helpful in starting the process of saving our vehicles and fixing our finances. I have full confidence in the following steps. They are very affordable and have had so much empathy for our situation. I highly recommend them.”

"Extraordinary legal skills and warmth" — Kathryn Sharp

“A perfect handshake of extraordinary legal skills and human warmth. Recommended to me by the Michigan State Bar. I am so grateful to Stephen and Giovanna for guiding me through a stressful and frightening matter that required legal intervention.”

Preparing for Your First Meeting with Stephen

Stephen recommends that clients:

• List your top priorities — whether that’s stopping a foreclosure, ending creditor calls, or consolidating debt.
• Bring recent financial documents — pay stubs, tax returns, bank statements, and creditor information.
• Be open and honest — the more complete the picture, the better Stephen can tailor a solution that fits your needs.

FAQs About Bankruptcy & Debt Relief in Michigan

Q: Can bankruptcy stop a foreclosure in Michigan?

A: Yes. Filing Chapter 13 bankruptcy creates what’s called an “automatic stay,” which immediately halts foreclosure proceedings. This pause gives you the chance to catch up on missed payments or restructure your mortgage through a court-approved plan. Stephen has helped many families save their homes using this process.

Q: Will filing for bankruptcy wipe out all of my debt?

A: It depends. Chapter 7 can eliminate unsecured debts like credit cards and medical bills, while Chapter 13 focuses on reorganizing debts into a repayment plan. Certain obligations—like child support, alimony, or recent taxes—cannot be discharged. Stephen will walk you through what debts qualify and what strategy fits best.

Q: How will bankruptcy affect my credit score?

A: Bankruptcy does impact your credit in the short term, but it’s often the first step toward rebuilding. Many clients see their credit scores begin to recover within 12–24 months. Stephen provides practical advice on rebuilding credit so you can move forward with confidence.

Q: What should I bring to my first consultation?

A: Bring recent pay stubs, bank statements, tax returns, and a list of your debts. But don’t worry if you can’t gather everything—Stephen will guide you through what’s most important and help you get organized. The goal of your first meeting is to create clarity, not overwhelm you with paperwork.

Take the First Step Toward Your Fresh Start with a Free Consultation

If you’re facing overwhelming debt or financial stress in the Lansing, Flint, or Mid-Michigan area, Stephen Beard can help you find a path forward that restores peace of mind. He offers no-cost initial consultations to discuss your options in a supportive, solutions-focused setting.

Call 866-261-8282 or schedule an consultation below. Let Stephen help you regain stability, protect your assets, and move toward a stronger financial future.

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