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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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Matthew T. Clarke

Estate Planning, Employee Rights, Elder Law, Consumer Bankruptcy

Status: In Good Standing Licensed: 27 Years

CONTACT

1950 Waldorf St Nw, Grand Rapids, MI 49544

Liesel Marie Cervin

Litigation, Employee Rights, Administrative Law, Consumer Bankruptcy

Status: In Good Standing Licensed: 14 Years

CONTACT

3706 Kinview St Nw, Grand Rapids, MI 49534

Brandon Gardner

Litigation, Criminal, Business, Bankruptcy

Status: In Good Standing Licensed: 14 Years

FREE CONSULTATION

CONTACT

250 Monroe Ave Nw, Grand Rapids, MI 49503

Beth Ann Riffe

Agriculture, Labor Law, Administrative Law, Consumer Bankruptcy

Status: In Good Standing Licensed: 13 Years

CONTACT

886 East Street, Coopersville, MI 49404

David C. Andersen

Family Law, Consumer Bankruptcy, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

866 3 Mile Rd Nw, Grand Rapids, MI 49544

David C. Andersen

Employment Discrimination, Collection, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 45 Years

CONTACT

701 3 Mile Rd Nw, Grand Rapids, MI 49544

John A. Potter

US Courts, Divorce, Bankruptcy & Debt, Personal Injury

Status: In Good Standing Licensed: 37 Years

FREE CONSULTATION

CONTACT

161 Ottawa Avenue, NW, Grand Rapids, MI 49503

Jeremy Brandon Shephard

Credit & Debt, Collection, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 15 Years

CONTACT

866 3 Mile Rd NW, Grand Rapids, MI 49544

Rebecca L. Johnson

Lawsuit & Dispute, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 21 Years

CONTACT

701 3 Mile Rd Nw, Grand Rapids, MI 49544

Beth A. Striegle

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

Status: In Good Standing

CONTACT

400 Ann St Nw, Grand Rapids, MI 49504

800-923-0641

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LEGAL TERMS

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.

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.

LIABILITY

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pi... (more...)

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pipe bursts the day after Paul installs it, ruining the bathroom floor. This raises the issue of liability: Who is responsible for the damage? Peri claims that Paul is responsible, and sues him for the cost of hiring another plumber to fix the pipe and replacing the floor. Paul, in turn, claims that the pipe manufacturer is responsible, because they supplied him with faulty materials. Both Peri and Paul must prove their claims in court; if Paul and/or the manufacturer is found liable, one or both will have to pay damages to Peri. (2) Something for which a person is liable. For example, a debt is often called a liability.

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

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.

SECRET WARRANTY PROGRAM

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid... (more...)

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid a recall and the accompanying bad press. Secret warranties are rarely advertised by the manufacturer, so consumers must pursue the manufacturer to discover and take advantage of them. A few states require manufacturers to notify car buyers when they adopt secret warranty programs.

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

NUISANCE FEES

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fe... (more...)

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fees, inactivity fees and fees for not carrying a balance from month to month. It's best to shop around and get rid of cards that have these fees attached.

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Allendale Bankruptcy & Debt Lawyer, Michigan, page 3

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Marrs & Terry, PLLC

SPONSORED LAWYERS

Matthew T. Clarke

Liesel Marie Cervin

Brandon Gardner

Beth Ann Riffe

David C. Andersen

David C. Andersen

John A. Potter

Jeremy Brandon Shephard

Rebecca L. Johnson

Beth A. Striegle

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LEGAL TERMS

GRACE PERIOD

FAIR CREDIT REPORTING ACT (FCRA)

LIABILITY

FAIR CREDIT BILLING ACT (FCBA)

DOING BUSINESS AS (DBA)

SOLE PROPRIETORSHIP

SECRET WARRANTY PROGRAM

LIEN

NUISANCE FEES

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