Roscommon County, MI Reorganization Lawyers

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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 L. Bauchan

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Accident & Injury, Medical Malpractice, Social Security -- Disability, Workers' Compensation, Employment Discrimination

We Always Put Our Client's Interests First.

Michael L. Bauchan, Juris Doctor (J.D.) 1970 and Bachelor of Electrical Engineering (B.E.E.) 1966, says "Call us FIRST. If you didn't, at least call u... (more)

CONTACT

800-967-9590

4611 W Houghton Lake Dr., Houghton Lake, MI 48629

Todd H. Nye

Social Security, Business, Bankruptcy, Personal Injury, Car Accident

Status: In Good Standing Licensed: 25 Years

FREE CONSULTATION

CONTACT

10393 Merrio Rd, Roscommon, MI 48653

John E. Rosczyk

Real Estate, Estate, Misdemeanor, Criminal

Status: In Good Standing Licensed: 52 Years

CONTACT

203 Springside Ct, Roscommon, MI 48653

Gerard F. Brabant

Estate Planning, Family Law, Elder Law, Business

Status: In Good Standing Licensed: 44 Years

CONTACT

11575 Lancewood Dr, Roscommon, MI 48653

Jacob M. Collini

Other, Estate Planning, Family Law, Children's Rights

Status: In Good Standing Licensed: 11 Years

CONTACT

500 Lake St, Roscommon, MI 48653

James R. Deamud

Foreclosure, Mediation, Trusts, Divorce

Status: In Good Standing Licensed: 51 Years

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4419 W Nestel Rd, Houghton Lake, MI 48629

Roberta Eckert-Chrispell

Real Estate

Status: In Good Standing Licensed: 32 Years

CONTACT

3225 W Houghton Lake Dr, Prudenville, MI 48651

Troy B. Daniel

Trusts, Divorce, Contract, Credit & Debt

Status: In Good Standing Licensed: 28 Years

CONTACT

319 Lake St, Roscommon, MI 48653

Scott L. Hess

Other, Employee Rights, Family Law, Elder Law

Status: In Good Standing Licensed: 39 Years

CONTACT

319 Lake St, Roscommon, MI 48653

Robert W. Bennett

Divorce, Criminal, Contract, Accident & Injury

Status: In Good Standing Licensed: 34 Years

CONTACT

500 Lake St, Roscommon, MI 48653

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LEGAL TERMS

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

FRAUDULENT TRANSFER

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee --... (more...)

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee -- for instance, when a debtor signs a car over to a relative to keep it out of the bankruptcy estate. Fraudulently transferred property can be recovered and sold by the trustee for the benefit of the creditors.

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.

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

FAIR CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

C CORPORATION

Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S c... (more...)

Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S corporation, whose profits are passed through to shareholders and taxed on their personal returns under subchapter S of the Internal Revenue Code.

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Roscommon County, MI Reorganization Lawyers

Sponsored Law Firm

Marrs & Terry, PLLC

SPONSORED LAWYERS

Michael L. Bauchan

Todd H. Nye

John E. Rosczyk

Gerard F. Brabant

Jacob M. Collini

James R. Deamud

Roberta Eckert-Chrispell

Troy B. Daniel

Scott L. Hess

Robert W. Bennett

TIPS

LEGAL TERMS

SETOFF

COLLECTION AGENCY

FRAUDULENT TRANSFER

COSIGNER

GRACE PERIOD

FAIR CREDIT REPORTING ACT (FCRA)

IRS EXPENSES

CREDIT REPORT

C CORPORATION

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