Wayne County Bankruptcy Lawyers
Are your bills piling up as you fall further and further behind on paying them? Do you need a fresh financial start? Consult with an experienced bankruptcy attorney to discuss your options under Chapter 7 and Chapter 13 of the Bankruptcy Code.
At the law firm of Acclaim Legal Services, with law offices in Southfield and Flint, Michigan, our Chapter 7 and 13 bankruptcy lawyers are adept at helping people who are overwhelmed with bills. We counsel clients throughout Wayne County who have been laid-off at work and have become overextended on credit cards and other debts. We have experience helping debt-riddled autoworkers and people who are under-employed in manufacturing get their financial life back where it belongs.
Chapter 7 Bankruptcy: Making a Fresh Start
If you are drowning in personal debt, Chapter 7 may be an appropriate lifeline for you. If you are unsure if it is the right legal, personal, or financial move for you, we invite you to discuss your circumstances with us during a free initial consultation. Call us at 866-438-5217 to discuss your case, or send us an e-mail.
Are you overwhelmed by harassing phone calls and harassing letters? Once you are working with us, we can stop your creditors from threatening to repossess your car, foreclose on your home, or garnish your wages. At Acclaim Legal Services, our attorneys have helped more than 5,000 satisfied clients through bankruptcy proceedings. Our bankruptcy lawyers have the experience needed to help you get the financial fresh start you need.
Did you know that you could file for Chapter 7 bankruptcy every eight years? While this is far from a sustainable long-term financial plan, it is important to know that a safety net does exist. Be proactive in seeking every legal advantage you can in dealing with your debt.
When you file for Chapter 7 Bankruptcy protection, creditors can no longer interrupt you at dinner to ask for money you don't have. They cannot call your employer or try to garnish your wages. Your utilities cannot be shut-off. Contrary to common belief, lenders will not shun you indefinitely into the future. You may not qualify for the best interest rates, but you will be able to get credit, and repair your credit rating over time.
Chapter 13 Bankruptcy - Debt Repayment Plans
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.
Are you are behind on a mortgage and wish protect your home from foreclosure? Are you behind on income taxes with the IRS or on your property taxes? Are you facing vehicle repossession? If you are interested in paying back your debts, but just need assistance on how to structure your budget and overall debt obligations, Chapter 13 debt reorganization and consolidation may be the necessary tool to dig you out of a financial hole.
Debt reorganization can provide: a reasonable timeframe to get caught up on debt obligations (typically 36 - 60 months); a customized repayment plan; interest-free payback of mortgage arrearages and other unsecured debts; and many other benefits of Chapter 13 bankruptcy.
To qualify for Chapter 13 bankruptcy, you simply must have the necessary income to meet the repayment terms that we customize for you. To determine if you qualify, we offer free consultations. After sitting down with you, we can determine an appropriate course of action to relieve the stress associated with financial troubles. Our law firm will help you create a workable plan and present it to the court, and we will be your advocates at your first meeting of creditors, as well as at the confirmation hearing.
The 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 law. Call our office toll free to speak to an attorney at 866-438-5217.
Get the fresh financial start you need through Chapter 7 or Chapter 13 bankruptcy, and get started now by consulting with a bankruptcy lawyer at Acclaim Legal Services. Contact us for a free initial consultation to discuss your legal needs and financial objectives.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
