Iosco County, MI Workout Lawyers

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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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Ann Victoria Hopcroft

Social Security, Elder Law, Contract, Bankruptcy

Status: In Good Standing Licensed: 46 Years

CONTACT

Oscoda, MI 48750

James A. Bacarella

Family Law, Divorce & Family Law, Criminal, Accident & Injury

Status: In Good Standing Licensed: 33 Years

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1228 E Us 23, East Tawas, MI 48730

Christine M. Brzezinski

Estate Planning, Family Law, Guardianships & Conservatorships, Children's Rights

Status: In Good Standing Licensed: 41 Years

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415 E Main St, Hale, MI 48739

Keith E. Moir

Family Law, Criminal, Civil & Human Rights, Accident & Injury

Status: In Good Standing Licensed: 41 Years

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116 W. State Street, East Tawas, MI 48730

John M. Freel

Litigation, Insurance, Business

Status: In Good Standing Licensed: 33 Years

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540 West Lake St., Tawas City, MI 48763

Timothy R. Freel

Other, Real Estate, Personal Injury, Legal Malpractice

Status: In Good Standing Licensed: 30 Years

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211 Newman St, East Tawas, MI 48730

James L. Szafran

Government

Status: In Good Standing Licensed: 41 Years

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8096 Campbell Ave, Hale, MI 48739

Nichol J. Palumbo

General Practice

Status: In Good Standing Licensed: 26 Years

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450 W Lake St, Tawas City, MI 48763

Jerry L. Schmidt

Agriculture, Labor Law, Family Law, Elder Law

Status: In Good Standing Licensed: 51 Years

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East Tawas, MI 48730

Jean G Howard

General Practice

Status: In Good Standing Licensed: 44 Years

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9807B Minnesota St, Oscoda, MI 48750

800-923-0641

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LEGAL TERMS

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.

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.

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

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.

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.

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 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

FORBEARANCE

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily ... (more...)

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily postponing or reducing the borrower's payments.

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Iosco County, MI Workout Lawyers

Sponsored Law Firm

Marrs & Terry, PLLC

SPONSORED LAWYERS

Ann Victoria Hopcroft

James A. Bacarella

Christine M. Brzezinski

Keith E. Moir

John M. Freel

Timothy R. Freel

James L. Szafran

Nichol J. Palumbo

Jerry L. Schmidt

Jean G Howard

TIPS

LEGAL TERMS

IRS EXPENSES

SECURED DEBT

SETOFF

SOLE PROPRIETORSHIP

WORKOUT

NONEXEMPT PROPERTY

CHAPTER 13 BANKRUPTCY

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

FORBEARANCE

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