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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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Thomas Dixon Smith

General Practice

Status: In Good Standing Licensed: 16 Years

CONTACT

3329 Snowglen Ln, Lansing, MI 48917

Eric Jon Nelson

General Practice

Status: In Good Standing Licensed: 14 Years

CONTACT

2423 Afton Pl, Lansing, MI 48906

Jennifer L. Nottage

Estate, Civil & Human Rights, Credit & Debt

Status: In Good Standing Licensed: 30 Years

CONTACT

3724 W Saint Joseph St, Lansing, MI 48917

Shantell L. Rene

Contract, Agriculture, Landlord-Tenant, Credit & Debt

Status: In Good Standing Licensed: 13 Years

CONTACT

6172 Brooks Landing, Dimondale, MI 48821

Nicole M. Smithson

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

Status: In Good Standing Licensed: 25 Years

CONTACT

611 W Ottawa St, Lansing, MI 48933

Thomas B. Golden

Litigation, Social Security, Credit & Debt, Consumer Bankruptcy

Status: In Good Standing Licensed: 17 Years

CONTACT

525 W Ottawa St, Lansing, MI 48933

B. Golden

Litigation, Social Security, Credit & Debt, Consumer Bankruptcy

Status: In Good Standing

CONTACT

525 W Ottawa St, Lansing, MI 48933

Katharine M. Hude

Landlord-Tenant, Entertainment, Contract, Credit & Debt

Status: In Good Standing Licensed: 15 Years

CONTACT

824 N Capitol Ave, Lansing, MI 48906

Julie A. Petrik

Litigation, Class Action, Labor Law, Credit & Debt

Status: In Good Standing Licensed: 32 Years

CONTACT

525 W Allegan St, Lansing, MI 48933

Charles Allen Lawler

Litigation, Government, DUI-DWI, Business, Credit & Debt

Status: In Good Standing Licensed: 19 Years

CONTACT

212 E Cesar E Chavez Ave, Lansing, MI 48906

800-923-0641

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LEGAL TERMS

COLLATERAL

Property that guarantees payment of a secured debt.

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

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.

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.

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.

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.

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.

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.

REPOSSESSION

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and ... (more...)

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and has not attempted to work with the lender to resolve the problem. A repossessor can't use force to get at your car, but he can legally hot-wire it and even drive it out of your unlocked garage.

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Portland Credit & Debt Lawyer, Michigan

Sponsored Law Firm

Marrs & Terry, PLLC

SPONSORED LAWYERS

Thomas Dixon Smith

Eric Jon Nelson

Jennifer L. Nottage

Shantell L. Rene

Nicole M. Smithson

Thomas B. Golden

B. Golden

Katharine M. Hude

Julie A. Petrik

Charles Allen Lawler

TIPS

LEGAL TERMS

COLLATERAL

DISPOSABLE INCOME

NONDISCHARGEABLE DEBTS

IRS EXPENSES

REDEMPTION

TRUTH IN LENDING ACT (TILA)

GRACE PERIOD

SOLE PROPRIETORSHIP

REPOSSESSION

SAMPLE LEGAL CASES

New Freedom Mtg. Corp. v. Globe Mtg. Corp.

Barth v. FIRST CONSUMER CREDIT, INC.

CHARTER ONE BANK NA v. JP Morgan Chase Bank, NA

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