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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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Jill L. Schmidt

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

Status: In Good Standing Licensed: 29 Years

CONTACT

24 E Main St, Sebewaing, MI 48759

Andrew R. Lockard

Estate, Family Law, Criminal, Credit & Debt

Status: In Good Standing Licensed: 21 Years

CONTACT

225 E Woodworth St, Bad Axe, MI 48413

Pamela E. Stefan

Divorce, Elder Law, Contract, Collection

Status: In Good Standing Licensed: 34 Years

CONTACT

115 N Main St, Vassar, MI 48768

Nathan Paul Fuglestad

Real Estate, Bankruptcy & Debt, Personal Injury, Trusts

Status: In Good Standing Licensed: 33 Years

CONTACT

x, North Branch, MI 48461

Karl Lewis Wenzloff

Criminal, Children's Rights, Lending, Credit & Debt

Status: In Good Standing Licensed: 16 Years

CONTACT

903 N Jackson St, Bay City, MI 48708

Kimberly A. Kramer

Foreclosure, Credit & Debt, Consumer Bankruptcy, Bankruptcy

Status: In Good Standing Licensed: 26 Years

CONTACT

916 Washington Ave, Bay City, MI 48708

James J. Hayes

Accident & Injury, Bankruptcy, Employment, Estate

Status: In Good Standing Licensed: 43 Years

CONTACT

916 Washington Ave, Bay City, MI 48707

Henry Sefcovic

Foreclosure, International Tax, Collection, Bankruptcy

Status: In Good Standing

CONTACT

306 Fifth Street, Bay City, MI 48708

Edmund J. Frost

Bankruptcy & Debt

Status: In Good Standing Licensed: 58 Years

CONTACT

319 Center Avenue, Bay City, MI 48708

Randall L. Frank

Bankruptcy

Status: In Good Standing Licensed: 43 Years

CONTACT

916 Washington Ave, Bay City, MI 48707

800-923-0641

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LEGAL TERMS

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.

CCCS

See Consumer Credit Counseling Service.

DISCHARGE (OF DEBTS)

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

DOING BUSINESS AS (DBA)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or ... (more...)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or similar document with the appropriate agency -- for example, the county clerk. This enables consumers to discover the names of the business owners, which is important if a consumer needs to sue the business.

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).

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.

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.

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.'

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.

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Owendale Bankruptcy & Debt Lawyer, Michigan

Sponsored Law Firm

Marrs & Terry, PLLC

SPONSORED LAWYERS

Jill L. Schmidt

Andrew R. Lockard

Pamela E. Stefan

Nathan Paul Fuglestad

Karl Lewis Wenzloff

Kimberly A. Kramer

James J. Hayes

Henry Sefcovic

Edmund J. Frost

Randall L. Frank

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LEGAL TERMS

REDEMPTION

CCCS

DISCHARGE (OF DEBTS)

DOING BUSINESS AS (DBA)

CREDIT REPORT

IRS EXPENSES

FAIR CREDIT REPORTING ACT (FCRA)

LOSS DAMAGE WAIVER (LDW)

COLLECTION AGENCY

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