Nunica Bankruptcy & Debt Lawyer, Michigan

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Kevin J. Wistrom Lawyer

Kevin J. Wistrom

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Real Estate, Accident & Injury, Bankruptcy & Debt, Estate, Government

Wistrom Law is concentrated in Real Estate law with emphasis on Accident & Injury, Bankruptcy & Debt, Estate, Government and Medical Marijuana. He has... (more)

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800-805-1630

Jon Dallas Stratman

Bankruptcy, Bankruptcy & Debt
Status:  In Good Standing           

Mark Alan Powers

Litigation, Trusts, Merger & Acquisition, Credit & Debt
Status:  In Good Standing           Licensed:  25 Years

Michael J. Zitta

Divorce, Guardianships & Conservatorships, Elder Law, Bankruptcy
Status:  In Good Standing           Licensed:  26 Years
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Michael Lee Deyoung

Criminal, Motor Vehicle, Bankruptcy & Debt, Divorce & Family Law
Status:  In Good Standing           Licensed:  16 Years

Barry C. Lemmen

Social Security, Government, Family Law, Consumer Bankruptcy
Status:  In Good Standing           Licensed:  19 Years

Julianna Marie Hyatt-Wierzbicki

Divorce, Corporate, Collection, Personal Injury
Status:  In Good Standing           Licensed:  13 Years

Bradford W. Springer

Litigation, Lawsuit & Dispute, Employee Rights, Criminal, Collection
Status:  In Good Standing           Licensed:  17 Years

Roger D. Berchiatti

Landlord-Tenant, Trusts, Family Law, Credit & Debt
Status:  In Good Standing           Licensed:  26 Years

William B. Groom

Litigation, Employee Rights, Business, Credit & Debt
Status:  In Good Standing           

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LEGAL TERMS

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)
A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

CREDIT FILE

See credit report.

FDCPA

See Fair Debt Collections & Practices Act.

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.

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.

NONPROFIT CORPORATION

A legal structure authorized by state law allowing people to come together to either benefit members of an organization (a club, or mutual benefit society) or f... (more...)
A legal structure authorized by state law allowing people to come together to either benefit members of an organization (a club, or mutual benefit society) or for some public purpose (such as a hospital, environmental organization or literary society). Nonprofit corporations, despite the name, can make a profit, but the business cannot be designed primarily for profit-making purposes, and the profits must be used for the benefit of the organization or purpose the corporation was created to help. When a nonprofit corporation dissolves, any remaining assets must be distributed to another nonprofit, not to board members. As with for-profit corporations, directors of nonprofit corporations are normally shielded from personal liability for the organization's debts. Some nonprofit corporations qualify for a federal tax exemption under _ 501(c)(3) of the Internal Revenue Code, with the result that contributions to the nonprofit are tax deductible by their donors.

SOLE PROPRIETORSHIP

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, m... (more...)
A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, meaning that business profits are reported and taxed on the owner's personal tax return. Setting up a sole proprietorship is cheap and easy since no legal formation documents need be filed with any governmental agency (although tax registration and other permit and license requirements may still apply). Once you file a fictitious name statement (assuming you don't use your own name) and obtain any required basic tax permits and business licenses, you'll be in business. The main downside of a sole proprietorship is that its owner is personally liable for all business debts.

CREDIT INSURANCE

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay o... (more...)
Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay off the remaining balance. Federal and state consumer protection laws require the lender to disclose to existing and potential borrowers the terms and costs of obtaining credit insurance because it can affect the terms of the loan.

DISCHARGE (OF DEBTS)

A bankruptcy court's erasure of the debts of a person or business that has filed for bankruptcy.