Charlevoix County, MI Credit & Debt Lawyers, page 2

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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.
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Allen Telgenhof

Litigation, Wrongful Termination, Criminal, Medical Malpractice

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301 State St, Bay Shore, MI 49720

Sarah F. Schraw

Divorce & Family Law, Criminal, Civil & Human Rights, Business

Status: Licensed: 17 Years

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116 Water St, Boyne City, MI 49712

Thomas M. Schraw

Government, Estate, Divorce & Family Law

Status: Licensed: 33 Years

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116 Water St, Boyne City, MI 49712

Valerie K. Snyder

Commercial Real Estate, Federal Appellate Practice, Estate Planning, Family Law

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301 State St, Bay Shore, MI 49720

Robert A. Maxwell

Labor Law, Employment

Status: Licensed: 57 Years

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5320 Banks St, Boyne City, MI 49712

Jerry R. Swift

Real Estate, Industry Specialties, Business, Personal Injury

Status: Licensed: 53 Years

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Boyne City, MI 49712

Darren Scott Davy

Commercial Real Estate, Real Estate, Wills, Business & Trade

Status: Licensed: 47 Years

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Bay Shore, MI 49720

Roy R. Winn

Social Security, Workers' Compensation

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3947 Old Horton Bay Rd, Boyne City, MI 49712

Miriam A. Hollar

General Practice

Status: Licensed: 40 Years

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4326 Ellis Road, Boyne City, MI 49712

Robert G. Dajnowicz

Real Estate, Litigation, Industry Specialties, Estate

Status: Licensed: 42 Years

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2285 Las Olas Ct, Bay Shore, MI 49720

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LEGAL TERMS

TRADE DRESS

The distinctive packaging or design of a product that promotes the product and distinguishes it from other products in the marketplace -- for example, the shape... (more...)

The distinctive packaging or design of a product that promotes the product and distinguishes it from other products in the marketplace -- for example, the shape of Frangelico liqueur bottles. Trade dress can be protected under trademark law if a showing can be made that the average consumer would likely be confused as to product origin if another product were allowed to appear in similar dress.

GENERAL PARTNER

A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the... (more...)

A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the business's debts and obligations. A general partner's actions can legally bind the entire business. See also partnership, limited partnership.

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.

LOSS DAMAGE WAIVER (LDW)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it ofte... (more...)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it often duplicates coverage provided by the renter's regular car insurance and/or the credit card she uses to rent the car. Nevertheless, hard-sell practices by rental car agents often dupe people into buying LDWs they don't really need. LDW is also called 'collision damage waiver.'

DEFINED CONTRIBUTION PLAN

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount ... (more...)

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount every month, or every year, for each employee. The employer usually pays a fixed percentage of an employee's wages or salary, although sometimes the amount is a fraction of the company's profits, with the size of each employee's pension share depending on the amount of wage or salary. Upon retirement, each employee's pension is determined by how much was contributed to the fund on behalf of that employee over the years, plus whatever earnings that money has accumulated as part of the investments of the entire pension fund.

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.

CREDITOR

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

CHAPTER 7 BANKRUPTCY

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 b... (more...)

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 bankruptcy takes from three to six months, costs about $200, and commonly requires only one trip to the courthouse.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

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Charlevoix County, MI Credit & Debt Lawyers, page 2

Sponsored Law Firm

Marrs & Terry, PLLC

SPONSORED LAWYERS

Allen Telgenhof

Sarah F. Schraw

Thomas M. Schraw

Valerie K. Snyder

Robert A. Maxwell

Jerry R. Swift

Darren Scott Davy

Roy R. Winn

Miriam A. Hollar

Robert G. Dajnowicz

TIPS

LEGAL TERMS

TRADE DRESS

GENERAL PARTNER

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

LOSS DAMAGE WAIVER (LDW)

DEFINED CONTRIBUTION PLAN

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

CREDITOR

CHAPTER 7 BANKRUPTCY

INTEREST

SAMPLE LEGAL CASES

New Freedom Mtg. Corp. v. Globe Mtg. Corp.

Barth v. FIRST CONSUMER CREDIT, INC.

CHARTER ONE BANK NA v. JP Morgan Chase Bank, NA

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