Pontiac and Oakland County Bankruptcy Lawyers

Are you struggling with debt and in search of a solution to your financial concerns? Do you need to make a fresh start, financially speaking? If you need advice on your legal rights within bankruptcy law, and you want those harassing phone calls from creditors to stop, we can help.

At Acclaim Legal Services, our Chapter 7 and Chapter 13 bankruptcy lawyers are adept at providing personal counsel to clients throughout southeastern Michigan who are considering filing for bankruptcy protection. We will help you realize your rights and legal options within bankruptcy law.

Serving clients throughout the Pontiac and Oakland County, Michigan area, Acclaim Legal Services has law offices in Flint and Southfield, Michigan. If you are ready to put your financial and legal problems in the past and want to move toward a brighter personal future, we are ready to help. Call our office toll free at 866-438-5217 to speak to an experienced bankruptcy attorney at Acclaim Legal Services.

Chapter 13 Bankruptcy

Depending on your level of debt and assets, as well as your current salary, you may not qualify for Chapter 7 bankruptcy debt relief. If you have considerable equity in your home and want to keep it, you may be better off filing for Chapter 13 bankruptcy, especially if the alternative is foreclosure - by far a worse outcome.

If you are behind on a mortgage and wish to keep your home protected from foreclosure, behind on taxes with the IRS or your property, facing a vehicle repossession and overall interested in paying back your debts, but just need assistance on how to structure your budget and overall debt obligations - then the Chapter 13 debt reorganization and consolidation plan may be the necessary tool to dig you out of a financial hole.

What Chapter 13 Bankruptcy Can Do For You

Chapter 13 bankruptcy can stop home foreclosure, vehicle repossession and creditor harassment. You may be able to eliminate a portion of unsecured debts such as utilities, credit card debts, medical bills, judgments, gambling debts and some older tax obligations. By repaying your debts with no interest over a reasonable period of time, you can re-establish your credit history. There are many other benefits of Chapter 13 bankruptcy which you should review.

Chapter 13 is a viable option to help you get back on your feet. We are here to advocate for you and your rights under the bankruptcy laws.

Proactive Planning Through Chapter 13 Bankruptcy
In filing for Chapter 13 bankruptcy protection, you are embarking on a reorganization of your debt, with affordable monthly payments to help you restore your credit.

Stop Creditor Harassment
Under Chapter 7 and Chapter 13 bankruptcy protection, you can stop your phone from ringing off the hook with harassing phone calls from collections agencies, and stop creditors from stuffing your mail box with threatening collection letters. We will represent your interests at the first meeting of creditors, resolve any issues with creditors who object to your payment plan, and stand at your side at the confirmation hearing regarding your debt reorganization plan. No more will creditors be able to threaten you with a wage garnishment, auto repossession, or home foreclosure.

Restoring your Credit and your Dignity
It is important to know that filing for bankruptcy, whether Chapter 13 or Chapter 7, is not the end of your financial or personal life. The traditional stigma of filing for bankruptcy has fallen to the wayside and been replaced by the view that bankruptcy provides a fresh start after a time of trouble. It is simply an available legal option to relieve the stress created by financial trouble, provide relief from debts and an opportunity to set up manageable repayment terms.

You are not tarnishing your credit for the long-term. The programs are designed to help you make a fresh start and allow you a second chance - your job is to begin rebuilding your credit and make prudent credit choices for the future. With our attorneys at your side, bankruptcy could be best solution to help you regain your credit and financial future.

Chapter 7 Bankruptcy
If you are eligible for Chapter 7 bankruptcy, you can be absolved of your unsecured debt, which means you will be held responsible only for student loans, recent taxes, and family support obligations. Many people fail to realize that they are eligible for Chapter 7 bankruptcy. If you have questions regarding your eligibility, including your level of personal debt and assets, consult with us.

For legal advice on debt reorganization and debt management through Chapter 13 or Chapter 7 bankruptcy, call us at 866-438-5217 for a free initial consultation with an experienced bankruptcy lawyer or contact us by e-mail.

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