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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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Michael D. Almassian

Insurance, Corporate, Credit & Debt, Bankruptcy

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FREE CONSULTATION

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230 East Fulton Street, Grand Rapids, MI 49503

Beth A. Striegle

Land Use & Zoning, Family Law, Contract, Credit & Debt

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400 Ann St Nw, Grand Rapids, MI 49504

Denise D. Twinney

Business, Credit & Debt, Bankruptcy, Bankruptcy & Debt

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300 Ottawa Ave Nw, Grand Rapids, MI 49503

Robert A. Hendricks

Medical Products & Devices, Criminal, Banking & Finance, Credit & Debt

Status: Licensed: 41 Years

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150 Ottawa Ave Nw, Grand Rapids, MI 49503

Harold E. Nelson

Real Estate, Banking & Finance, Credit & Debt, Bankruptcy

Status: Licensed: 48 Years

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55 Campau Ave Nw, Grand Rapids, MI 49503

Michael David Almassian

Litigation, Corporate, Credit & Debt, Bankruptcy

Status: Licensed: 24 Years

CONTACT

230 E Fulton Street, Grand Rapids, MI 49503

Brian E. Kersey

Electronic Commerce, Aviation, Business, Credit & Debt

Status: Licensed: 25 Years

CONTACT

99 Monroe Ave Nw, Grand Rapids, MI 49503

Michael J. Huff

Real Estate, Entertainment, Contract, Credit & Debt

Status: Licensed: 12 Years

CONTACT

900 Monroe Avenue N.W., Grand Rapids, MI 49503

Michael Anthony Spencer

Contract, Landlord-Tenant, Credit & Debt, Trusts

Status: Licensed: 12 Years

CONTACT

-, Grand Rapids, MI 49503

Ryan French Beach

Foreclosure, Credit & Debt, Bankruptcy, Bankruptcy & Debt

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CONTACT

1550 E Beltline Ave Se, Grand Rapids, MI 49506

800-814-6700

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LEGAL TERMS

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.

CCCS

See Consumer Credit Counseling Service.

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.

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.

FDCPA

See Fair Debt Collections & Practices Act.

NONEXEMPT PROPERTY

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typicall... (more...)

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typically includes valuable clothing (furs) and electronic equipment, an expensive car that's been paid off and most of the equity in your house. Compare exempt property.

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.

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.'

PRESUMED ABUSE

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means te... (more...)

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means test, the court will presume that the debtor has sufficient income to fund a Chapter 13 plan. In this situation, the debtor will not be allowed to proceed with a Chapter 7 bankruptcy unless the debtor can prove that he or she is not abusing the Chapter 7 bankruptcy remedy.

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Sparta Credit & Debt Lawyer, Michigan

Sponsored Law Firm

Marrs & Terry, PLLC

SPONSORED LAWYERS

Michael D. Almassian

Beth A. Striegle

Denise D. Twinney

Robert A. Hendricks

Harold E. Nelson

Michael David Almassian

Brian E. Kersey

Michael J. Huff

Michael Anthony Spencer

Ryan French Beach

TIPS

LEGAL TERMS

REAFFIRMATION

CCCS

DOING BUSINESS AS (DBA)

SOLE PROPRIETORSHIP

FDCPA

NONEXEMPT PROPERTY

CHAPTER 13 PLAN

LOSS DAMAGE WAIVER (LDW)

PRESUMED ABUSE

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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