Macomb County Bankruptcy Lawyers

Do you need advice about Chapter 13 bankruptcy and how to save your home from foreclosure? Are you in desperate need of a financial fresh start through Chapter 7 bankruptcy? If you are unsure about your personal rights and financial responsibilities within Chapter 7 and Chapter 13 bankruptcy protection, consult with an experienced and compassionate lawyer at Acclaim Legal Services.

At Acclaim Legal Services, we have served more than 5,000 clients seeking legal advice on Chapter 13 bankruptcy and Chapter 7 bankruptcy since our founding in 2003. We can do the same for you if you are ready to take the first step in restoring your financial life. Call us at 866-261-8282, or, send us an e-mail. We provide our clients with a free initial consultation to discuss their situation.

Serving Clients throughout Macomb County

With law offices in Flint and Southfield, Michigan, the attorneys of Acclaim Legal Services counsel clients throughout Macomb County and surrounding communities in cases involving Chapter 7 and Chapter 13 bankruptcy.

Financial Hardships Can Be Overcome in Bankruptcy

Anyone can get laid off or get hit with unexpected medical expenses; such is life. These challenges do not have to derail your entire financial outlook, and filing for Chapter 7 or Chapter 13 bankruptcy is actually a proactive step toward getting your financial life back in good standing.

Stop Creditors from Harassing You at Home and at Work

Are your creditors calling at all the wrong times, like when your boss is at your desk or when you are trying to have dinner with your family? When you file for Chapter 7 bankruptcy or Chapter 13 bankruptcy, this will stop immediately, along with threats of home foreclosure, auto repossession, and wage garnishment. If you are a laid-off manufacturing worker or agricultural worker, bankruptcy may be your best legal option. If not, we will counsel you on other options.

Chapter 7 Bankruptcy: A Fresh Start

Even though the laws changed in 2005, Chapter 7 bankruptcy is still a viable option to eliminate debt if you are not in the position to pay it back. The program and those who qualify remained largely unchanged; however there are a few new requirements in place that we will discuss with you at the time of your free consultation. Under Chapter 7 bankruptcy protection, you can be absolved of your non-dischargeable debt. Most debt can be discharged except for student loans, recent taxes, and family support obligations such as alimony or child support. Many people do not realize that they are still eligible for Chapter 7 bankruptcy. If you have questions regarding Chapter 7 bankruptcy, including your level of personal debt and assets, consult with us.

Chapter 13 Bankruptcy: Debt Reorganization
If your earnings and assets are at a high level that makes you ineligible for Chapter 7, consider resolving your situation by filing for Chapter 13 bankruptcy. lawyers will help you make a plan to reorganize your debt and pay a manageable portion of it down over a three-to-five year period. Best of all, you will get to stay in your house and stop foreclosure proceedings. Other benefits of Chapter 13 bankruptcy include a personalized payment plan based upon your income and circumstances, elimination of late fees, penalties, and interest on unsecured debts and mortgage arrearages.

Chapter 13 bankruptcy is a proactive path toward renewing your credit and restoring your ability to keep what you have and build anew for the future. With a proactive reorganization plan in place, it will be your responsibility to pay off a portion of your non-dischargeable debt en route to a fresh start.

For a free initial consultation regarding chapter 7 bankruptcies or Chapter 13 bankruptcy, contact us at 866-261-8282 at Acclaim Legal Services.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.