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Tricia Terry
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Marrs & Terry, PLLC
6553 Jackson Road Ann Arbor, MI 48103Â» view map
Bankruptcy & Debt
Personalized, Efficient Counsel

Marrs & Terry, PLLC have been helping individuals face a variety of legal challenges, including bankruptcy, estate planning and administration, and family law.

800-862-7221
1. Tricia Terry Ann Arbor, MI
  Attorney at Law- MI, 1999
  Thomas M. Cooley Law School, J.D.
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Michael D. Almassian

Insurance, Corporate, Credit & Debt, Bankruptcy

Status: In Good Standing

FREE CONSULTATION

CONTACT

230 East Fulton Street, Grand Rapids, MI 49503

Kristin K. E. Marschner

Estate Planning, Labor Law, Administrative Law, Credit & Debt

Status: In Good Standing Licensed: 17 Years

CONTACT

6942 Asher Trl, Kalamazoo, MI 49009

Michael J. Mcphillips

Deportation, Divorce, Elder Law, Credit & Debt

Status: In Good Standing Licensed: 42 Years

CONTACT

121 W Apple St, Hastings, MI 49058

Michael Kyle Floyd

Litigation, Credit & Debt

Status: In Good Standing Licensed: 25 Years

CONTACT

2618 East Paris Avenue Se, Grand Rapids, MI 49546

David Edward Szostek

Litigation, Intellectual Property, Business, Credit & Debt

Status: In Good Standing Licensed: 11 Years

CONTACT

2010 44th St SE, Grand Rapids, MI 49508

Victoria Lynn Smalley

Dispute Resolution, Social Security, Family Law, Credit & Debt

Status: In Good Standing Licensed: 9 Years

CONTACT

3996 Chicago Dr Sw, Grandville, MI 49418

Michelle R. Born-Fischer

Landlord-Tenant, Litigation, Contract, Credit & Debt, Slip & Fall Accident

Status: In Good Standing Licensed: 20 Years

CONTACT

2180 44Th St Se, Grand Rapids, MI 49508

Ryan French Beach

Foreclosure, Credit & Debt, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

1550 E Beltline Ave Se, Grand Rapids, MI 49506

Brian E. Kersey

Electronic Commerce, Aviation, Business, Credit & Debt

Status: In Good Standing Licensed: 24 Years

CONTACT

99 Monroe Ave Nw, Grand Rapids, MI 49503

Charles H. Worsfold

Construction, Employee Rights, Credit & Debt, Defamation & Slander

Status: In Good Standing Licensed: 48 Years

CONTACT

230 Fulton St E, Grand Rapids, MI 49503

800-923-0641

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LEGAL TERMS

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

ABUSE

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because ... (more...)

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because the debtor appears to have enough disposable income to fund a Chapter 13 repayment plan.

BANKRUPTCY

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are ... (more...)

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are two types of bankruptcies -- liquidation, in which your debts are wiped out (discharged) and reorganization, in which you provide the court with a plan for how you intend to repay your debts. For both consumers and business, liquidation bankruptcy is called Chapter 7. For consumers, reorganization bankruptcy is called Chapter 13. Reorganization bankruptcy for consumers with an extraordinary amount of debt and for businesses is called Chapter 11. Reorganization bankruptcy for family farmers is called Chapter 12.

UNDUE HARDSHIP

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in t... (more...)

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in the future to pay off the loan may be able to show that repayment would be an undue hardship.

PRESUMED ABUSE

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means te... (more...)

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means test, the court will presume that the debtor has sufficient income to fund a Chapter 13 plan. In this situation, the debtor will not be allowed to proceed with a Chapter 7 bankruptcy unless the debtor can prove that he or she is not abusing the Chapter 7 bankruptcy remedy.

FCRA

See Fair Credit Reporting Act.

DEBT COLLECTOR

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe... (more...)

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe. Debt collectors can be relentless, often using scare tactics, humiliation and repeated phone calls to extract payments or promises to pay.

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemp... (more...)

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemptible because it has been damaged or destroyed.

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Otsego Credit & Debt Lawyer, Michigan

Sponsored Law Firm

Marrs & Terry, PLLC

SPONSORED LAWYERS

Michael D. Almassian

Kristin K. E. Marschner

Michael J. Mcphillips

Michael Kyle Floyd

David Edward Szostek

Victoria Lynn Smalley

Michelle R. Born-Fischer

Ryan French Beach

Brian E. Kersey

Charles H. Worsfold

TIPS

LEGAL TERMS

COSIGNER

INTEREST

ABUSE

BANKRUPTCY

UNDUE HARDSHIP

PRESUMED ABUSE

FCRA

DEBT COLLECTOR

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

SAMPLE LEGAL CASES

New Freedom Mtg. Corp. v. Globe Mtg. Corp.

Barth v. FIRST CONSUMER CREDIT, INC.

CHARTER ONE BANK NA v. JP Morgan Chase Bank, NA

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