Baraga Bankruptcy & Debt Lawyer, Michigan

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Barbara Jean Caffaratti

Other, Lawsuit & Dispute, Divorce & Family Law, Native People
Status:  In Good Standing           Licensed:  18 Years

Kevin Thomas Carlisle

General Practice
Status:  In Good Standing           Licensed:  22 Years

Theresa Ann Henderson-Stockton

General Practice
Status:  In Good Standing           Licensed:  11 Years

Christoph Julius Geiger

General Practice
Status:  In Good Standing           Licensed:  21 Years

Patrick Oliver

General Practice
Status:  Retired           Licensed:  51 Years

Timothy S. Brennan

Juvenile Law, Government, Estate, Business
Status:  In Good Standing           Licensed:  36 Years

Joseph P. O'Leary

Intellectual Property, Criminal, Native People, Civil & Human Rights
Status:  In Good Standing           Licensed:  35 Years

Paul H. Hurst

General Practice
Status:  In Good Standing           Licensed:  45 Years

Christopher R. Herter

International, Intellectual Property, Biotechnology, Business
Status:  In Good Standing           Licensed:  26 Years

Daniel J. Wisti

Landlord-Tenant, Government, Employment, Divorce
Status:  In Good Standing           Licensed:  35 Years

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Free Help: Use This Form or Call 800-943-8690

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800-943-8690

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LEGAL TERMS

CCCS

See Consumer Credit Counseling Service.

DISCHARGEABLE DEBTS

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bill... (more...)
Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bills and medical bills. Compare nondischargeable debts.

COLLATERAL

Property that guarantees payment of a secured debt.

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.

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.

CREDITOR

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

INFRINGEMENT (OF TRADEMARK)

Unauthorized use of a protected trademark or service mark, or use of something very similar to a protected mark. The success of a lawsuit to stop the infringeme... (more...)
Unauthorized use of a protected trademark or service mark, or use of something very similar to a protected mark. The success of a lawsuit to stop the infringement turns on whether the defendant's use causes a likelihood of confusion in the average consumer. If a court determines that the average consumer would be confused, the owner of the original mark can prevent the other's use of the infringing mark and sometimes collect damages.

FDCPA

See Fair Debt Collections & Practices Act.

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.

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