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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.
2. AboutExperienced Michigan Lawyer
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William Paul Slough

Litigation, Estate Planning, Consumer Bankruptcy, Bankruptcy

Status: In Good Standing

CONTACT

Gaylord, MI 49734

Bernard J. Caspar

Criminal, Bankruptcy, Divorce, Social Security -- Disability

Status: Inactive Licensed: 47 Years

CONTACT

1852 S Otsego Ave, Gaylord, MI 49734

George J. Mertz

Criminal, Collection, Litigation

Status: In Good Standing Licensed: 22 Years

CONTACT

225 W Main St, Gaylord, MI 49735

Wanda S. Losher

Collection, Divorce & Family Law, Estate, Criminal

Status: In Good Standing Licensed: 10 Years

CONTACT

East Jordan, MI 49727

Peter J. Lyons

Criminal, Collection, Freedom of Religion

Status: In Good Standing Licensed: 49 Years

CONTACT

812 Douglas St, Boyne City, MI 49712

Adam Troy Vernon

Landlord-Tenant, Trusts, Credit & Debt, Juvenile Law

Status: In Good Standing

CONTACT

2373 S I 75 Business Loop, Grayling, MI 49738

Ryan Robert Charles

Consumer Rights, Business, Consumer Bankruptcy, Accident & Injury

Status: In Good Standing Licensed: 17 Years

CONTACT

2001 M 119, Petoskey, MI 49770

John P. Ternes

Real Estate, Elder Law, Estate Planning, Credit & Debt

Status: Inactive Licensed: 70 Years

CONTACT

1101 N Us Highway 31, Petoskey, MI 49770

Timothy Smith

Contract, Bankruptcy, Personal Injury, Workers' Compensation

Status: Inactive Licensed: 15 Years

CONTACT

5018 River Rd, Petoskey, MI 49770

Joel D. Wurster

Construction, Trusts, Contract, Collection

Status: In Good Standing Licensed: 31 Years

CONTACT

214 1/2 Park Ave, Petoskey, MI 49770

800-923-0641

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LEGAL TERMS

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.

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

TRADE NAME

The official name of a business, the one it uses on its letterhead and bank account when not dealing with consumers.

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily fu... (more...)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily funded by voluntary donations from the creditors that receive payments from debtors repaying their debts through that office. Despite this criticism, most CCCS counselors provide clients with thorough and neutral advice.

AUTOMATIC STAY

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities,... (more...)

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities, such as filing or continuing lawsuits, making written requests for payment, or notifying credit reporting bureaus of an unpaid debt.

REAFFIRMATION

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing deb... (more...)

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing debt after the bankruptcy case is over. For instance, a debtor might make a reaffirmation agreement with the holder of a car note that the debtor can keep the car and must continue to pay the debt after bankruptcy.

CREDIT BUREAU

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit... (more...)

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit card companies that use the information to screen applicants for loans and credit cards. There are three major credit bureaus, Equifax, Experian and Trans Union, and they are regulated by the federal Fair Credit Reporting Act.

BULK SALES LAW

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to ... (more...)

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to conduct a bulk sale of business assets -- that is, get rid of an unusually large amount of inventory, merchandise or equipment -- the business owner must typically publish a notice of the sale and give written notice to creditors. Then, the owner must set up an account to hold the funds from the sale for a brief period of time during which creditors may make claims against the money. The prohibition against bulk sales is spelled out in the Uniform Commercial Code -- and laws modeled on the UCC have been generally adopted throughout the country.

NONDISCHARGEABLE DEBTS

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chap... (more...)

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chapter 13 bankruptcy, the nondischargeable debts will have to be paid in full during your plan or you will have a balance at the end of your case. Examples of nondischargeable debts include alimony and child support, most income tax debts, many student loans and debts for personal injury or death caused by drunk driving. Compare dischargeable debts.

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Gaylord Bankruptcy & Debt Lawyer, Michigan

Sponsored Law Firm

Marrs & Terry, PLLC

SPONSORED LAWYERS

William Paul Slough

Bernard J. Caspar

George J. Mertz

Wanda S. Losher

Peter J. Lyons

Adam Troy Vernon

Ryan Robert Charles

John P. Ternes

Timothy Smith

Joel D. Wurster

TIPS

LEGAL TERMS

UNDUE HARDSHIP

TRUTH IN LENDING ACT (TILA)

TRADE NAME

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

AUTOMATIC STAY

REAFFIRMATION

CREDIT BUREAU

BULK SALES LAW

NONDISCHARGEABLE DEBTS

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