New Haven Bankruptcy & Debt Lawyer, Michigan

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Anissa Cherri Hudy Lawyer

Anissa Cherri Hudy

VERIFIED
Bankruptcy & Debt, Estate, Landlord-Tenant, Litigation

Anissa Hudy is a practicing lawyer in the state of Michigan.

David R. Heyboer Lawyer

David R. Heyboer

VERIFIED
Criminal, DUI-DWI, Bankruptcy & Debt, Personal Injury, Real Estate

When you've been arrested and facing criminal charges, there can be serious consequences for you and your family. Don't face your criminal charges alo... (more)

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800-953-6751

Shawn J. Coppins Lawyer

Shawn J. Coppins

VERIFIED
Divorce & Family Law, Criminal, Accident & Injury, Bankruptcy, Traffic
Mr. Coppins was born and raised in the Metro-Detroit area and is a Litigation Specialist

Shawn Coppins is an aggressive plaintiff's attorney and is one of the firm's founding partners.Mr. Coppins was born and raised in the Metro-Detroit ar... (more)

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800-928-4120

David E. Tovarez

Real Estate, Dispute Resolution, Business Organization, Bankruptcy
Status:  In Good Standing           

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Derek J. Brackon

Business Organization, Family Law, Collection, Wills & Probate
Status:  In Good Standing           

Jennifer S. Bidwell

Landlord-Tenant, Real Estate, Banking & Finance, Bankruptcy
Status:  In Good Standing           

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Lyndsay S. Ott

Collection, Banking & Finance, Corporate, Real Estate
Status:  In Good Standing           

Stacey L. Sanford

Commercial Real Estate, Estate Planning, Employment, Bankruptcy
Status:  In Good Standing           

Thomas M. Hensel

Foreclosure, Workout, Consumer Bankruptcy, Bankruptcy
Status:  In Good Standing           

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Aaron Miller Keyes

Real Estate, Lawsuit & Dispute, Business, Bankruptcy
Status:  In Good Standing           Licensed:  19 Years

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LEGAL TERMS

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.

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.

ACCORD AND SATISFACTION

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collectin... (more...)
An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collecting as much money as they can from debtors who cannot pay the full amount.

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.

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.

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.

FCRA

See Fair Credit Reporting Act.

UNSECURED DEBT

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only reme... (more...)
A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only remedy is to sue you and get a judgment. Compare secured debt.

COLLATERAL

Property that guarantees payment of a secured debt.