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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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Jayne E. Mackowiak

Bankruptcy & Debt

Status: In Good Standing Licensed: 40 Years

CONTACT

912 Ludington St, Escanaba, MI 49829

Jeremy John Nastoff

Contract, Business, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 14 Years

CONTACT

816 Ludington St, Escanaba, MI 49829

Michele J. Hebner

Estate, Divorce & Family Law, Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 25 Years

CONTACT

803 Ludington St, Escanaba, MI 49829

Norman P. Moore

Bankruptcy & Debt, Divorce & Family Law, Estate, Criminal

Status: In Good Standing Licensed: 31 Years

CONTACT

803 Ludington St, Escanaba, MI 49829

Daniel R. Degrand

Commercial Real Estate, Industry Specialties, Business, Bankruptcy

Status: In Good Standing Licensed: 51 Years

CONTACT

517 Ludington St, Escanaba, MI 49829

John M. Bergman

Workers' Compensation, Criminal, Contract, Bankruptcy, Wrongful Death

Status: In Good Standing Licensed: 50 Years

CONTACT

504 Ludington St, Escanaba, MI 49829

John Milton Arvid Bergman

General Practice

Status: In Good Standing Licensed: 18 Years

CONTACT

504 Ludington St, Escanaba, MI 49829

Thomas L. Smithson

Criminal, Native People, Civil & Human Rights, Collection

Status: In Good Standing Licensed: 56 Years

CONTACT

2623 W Maple Ridge 37Th Rd, Rock, MI 49880

Allan J. Rittenhouse

Bankruptcy, Bankruptcy & Debt

Status: Inactive Licensed: 33 Years

CONTACT

Iron Mountain, MI 49801

Allan J. Rittenhouse

Bankruptcy, Bankruptcy & Debt

Status: Inactive Licensed: 33 Years

CONTACT

Iron Mountain, MI 49801

800-923-0641

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LEGAL TERMS

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.

CHAPTER 13 PLAN

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to ... (more...)

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to pay all mandatory debts -- for example, back child support, taxes, and mortgage arrearages -- as well as some or all unsecured, nonpriority debts, such as medical and credit card bills.

SECRET WARRANTY PROGRAM

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid... (more...)

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid a recall and the accompanying bad press. Secret warranties are rarely advertised by the manufacturer, so consumers must pursue the manufacturer to discover and take advantage of them. A few states require manufacturers to notify car buyers when they adopt secret warranty programs.

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

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.

401(K) PLAN

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income ... (more...)

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income taxes on the amount invested and any earnings are due until the employee withdraws money from the fund.

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).

LOSS DAMAGE WAIVER (LDW)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it ofte... (more...)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it often duplicates coverage provided by the renter's regular car insurance and/or the credit card she uses to rent the car. Nevertheless, hard-sell practices by rental car agents often dupe people into buying LDWs they don't really need. LDW is also called 'collision damage waiver.'

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

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Bark River Bankruptcy & Debt Lawyer, Michigan

Sponsored Law Firm

Marrs & Terry, PLLC

SPONSORED LAWYERS

Jayne E. Mackowiak

Jeremy John Nastoff

Michele J. Hebner

Norman P. Moore

Daniel R. Degrand

John M. Bergman

John Milton Arvid Bergman

Thomas L. Smithson

Allan J. Rittenhouse

Allan J. Rittenhouse

TIPS

LEGAL TERMS

BANKRUPTCY

CHAPTER 13 PLAN

SECRET WARRANTY PROGRAM

MEANS TEST

GRACE PERIOD

401(K) PLAN

CREDIT REPORT

LOSS DAMAGE WAIVER (LDW)

REDEMPTION

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