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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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Lyndsay S. Ott

Collection, Banking & Finance, Corporate, Real Estate

Status: In Good Standing

CONTACT

12900 Hall Road, Sterling Heights, MI 48313

Derek J. Brackon

Business Organization, Family Law, Collection, Wills & Probate

Status: In Good Standing

CONTACT

12900 Hall Road, Sterling Heights, MI 48313

Daniel Boroja

Social Security, Family Law, Contract, Collection, Traffic

Status: In Good Standing

CONTACT

49139 Schoenherr Rd, Utica, MI 48315

Fred L. Gibson

Traffic, Employee Rights, Civil Rights, Collection, Defamation & Slander

Status: In Good Standing

CONTACT

17001 19 Mile Rd, Clinton Township, MI 48038

Carly A. Van Thomme

Employee Rights, Contract, Collection, Medical Malpractice

Status: In Good Standing Licensed: 25 Years

CONTACT

612 W University Dr, Rochester, MI 48307

Tricia N. Mckinnon

Litigation, Collection, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 25 Years

CONTACT

Rochester, MI 48308

Caralyce M. Lassner

Landlord-Tenant, Federal Appellate Practice, Family Law, Collection, Bankruptcy & Debt

Status: In Good Standing Licensed: 23 Years

CONTACT

Rochester, MI 48308

Terri P. Gruca

Contract, Collection, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 26 Years

CONTACT

Rochester, MI 48308

Scott P. Zochowski

Criminal, Bankruptcy & Debt, Foreclosure, Collection

Status: In Good Standing Licensed: 26 Years

CONTACT

100 E Big Beaver Rd, Troy, MI 48083

George A. Drosis

Employee Rights, Divorce, Insurance, Collection

Status: In Good Standing

CONTACT

101 W Big Beaver Rd, Troy, MI 48084

800-923-0641

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LEGAL TERMS

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.

SECURED DEBT

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collater... (more...)

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collateral, to satisfy the debt if you default. Compare unsecured debt.

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.

DEBT COLLECTOR

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe... (more...)

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe. Debt collectors can be relentless, often using scare tactics, humiliation and repeated phone calls to extract payments or promises to pay.

CREDITOR

A person or entity (such as a bank) to whom a debt is owed.

PRIORITY DEBT

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13... (more...)

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13 bankruptcy. Priority debts include alimony and child support, fees owed to the trustee and the attorney in the bankruptcy case, and wages owed to employees.

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.

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.

WORKOUT

A debtor's plan to take care of a debt, by paying it off or through loan forgiveness. Workouts are often created to avoid bankruptcy or foreclosure proceedings.

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Utica Collection Lawyer, Michigan

Sponsored Law Firm

Marrs & Terry, PLLC

SPONSORED LAWYERS

Lyndsay S. Ott

Derek J. Brackon

Daniel Boroja

Fred L. Gibson

Carly A. Van Thomme

Tricia N. Mckinnon

Caralyce M. Lassner

Terri P. Gruca

Scott P. Zochowski

George A. Drosis

TIPS

LEGAL TERMS

TRUTH IN LENDING ACT (TILA)

SECURED DEBT

GRACE PERIOD

DEBT COLLECTOR

CREDITOR

PRIORITY DEBT

PRESUMED ABUSE

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

WORKOUT

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