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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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Michael D. Almassian

Insurance, Corporate, Credit & Debt, Bankruptcy

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FREE CONSULTATION

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230 East Fulton Street, Grand Rapids, MI 49503

Victoria Lynn Smalley

Dispute Resolution, Social Security, Family Law, Credit & Debt

Status: Licensed: 10 Years

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3996 Chicago Dr Sw, Grandville, MI 49418

David Edward Szostek

Litigation, Intellectual Property, Business, Credit & Debt

Status: Licensed: 11 Years

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2010 44th St SE, Grand Rapids, MI 49508

Harold E. Nelson

Real Estate, Banking & Finance, Credit & Debt, Bankruptcy

Status: Licensed: 48 Years

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55 Campau Ave Nw, Grand Rapids, MI 49503

Denise D. Twinney

Business, Credit & Debt, Bankruptcy, Bankruptcy & Debt

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300 Ottawa Ave Nw, Grand Rapids, MI 49503

Brian E. Kersey

Electronic Commerce, Aviation, Business, Credit & Debt

Status: Licensed: 25 Years

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99 Monroe Ave Nw, Grand Rapids, MI 49503

Michael David Almassian

Litigation, Corporate, Credit & Debt, Bankruptcy

Status: Licensed: 24 Years

CONTACT

230 E Fulton Street, Grand Rapids, MI 49503

Beth A. Striegle

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

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400 Ann St Nw, Grand Rapids, MI 49504

Michelle R. Born-Fischer

Landlord-Tenant, Litigation, Contract, Credit & Debt, Slip & Fall Accident

Status: Licensed: 21 Years

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2180 44Th St Se, Grand Rapids, MI 49508

Michael Anthony Spencer

Contract, Landlord-Tenant, Credit & Debt, Trusts

Status: Licensed: 12 Years

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-, Grand Rapids, MI 49503

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LEGAL TERMS

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

PREFERENCE

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commer... (more...)

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commercial creditors) and within one year for insider creditors (friends, family members, and business associates). Because a preference gives the creditor who received the payment an edge over other creditors in the bankruptcy case, the trustee can recover the preference (the amount of the payment) and distribute it among all of the creditors.

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.

BANKRUPTCY

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are ... (more...)

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are two types of bankruptcies -- liquidation, in which your debts are wiped out (discharged) and reorganization, in which you provide the court with a plan for how you intend to repay your debts. For both consumers and business, liquidation bankruptcy is called Chapter 7. For consumers, reorganization bankruptcy is called Chapter 13. Reorganization bankruptcy for consumers with an extraordinary amount of debt and for businesses is called Chapter 11. Reorganization bankruptcy for family farmers is called Chapter 12.

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.

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.

TRADE NAME

The official name of a business, the one it uses on its letterhead and bank account when not dealing with consumers.

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.

WINDING UP

The process of paying off expenses and creditors, settling accounts, and collecting and distributing (to shareholders and owners) whatever assets then remain, a... (more...)

The process of paying off expenses and creditors, settling accounts, and collecting and distributing (to shareholders and owners) whatever assets then remain, all with the ultimate goal of liquidating or closing down a corporation or partnership.

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Grandville Credit & Debt Lawyer, Michigan

Sponsored Law Firm

Marrs & Terry, PLLC

SPONSORED LAWYERS

Michael D. Almassian

Victoria Lynn Smalley

David Edward Szostek

Harold E. Nelson

Denise D. Twinney

Brian E. Kersey

Michael David Almassian

Beth A. Striegle

Michelle R. Born-Fischer

Michael Anthony Spencer

TIPS

LEGAL TERMS

DISPOSABLE INCOME

PREFERENCE

INTEREST

BANKRUPTCY

SECRET WARRANTY PROGRAM

GRACE PERIOD

TRADE NAME

FAIR CREDIT BILLING ACT (FCBA)

WINDING UP

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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