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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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Ricardo Enriquez

Dispute Resolution, Federal Appellate Practice, Family Law, Collection

Status: Licensed: 38 Years

CONTACT

7900 Grand River Rd, Brighton, MI 48114

John G McGill

Tax, Government, Wills, Collection

Status: Licensed: 38 Years

CONTACT

8640 Heatherset Dr, Brighton, MI 48114

Donald W. Teichman

Elder Law, Contract, Collection, Defamation & Slander

Status: Licensed: 40 Years

CONTACT

25501 Van Dyke Ave, Center Line, MI 48015

Matthew M. Bieber

Contract, Collection, Personal Injury, Social Security

Status: Licensed: 17 Years

CONTACT

26224 Van Dyke Ave, Center Line, MI 48015

Larry D. Barnett

Civil Rights, Collection

Status: Licensed: 51 Years

CONTACT

5840 Lorac Dr, Clarkston, MI 48346

David R. Shook

Contract, Business, Credit & Debt, Collection

Status: Licensed: 31 Years

CONTACT

6480 Citation Dr, Clarkston, MI 48346

Fred L. Gibson

Traffic, Employee Rights, Civil Rights, Collection, Defamation & Slander

Status:

CONTACT

17001 19 Mile Rd, Clinton Township, MI 48038

Lawrence J. Lucido

Trusts, Family Law, Contract, Collection

Status: Licensed: 27 Years

CONTACT

39999 Garfield Rd, Clinton Township, MI 48038

Paul B. Gigliotti

Litigation, Social Security, Government, Collection, Bankruptcy & Debt

Status: Licensed: 33 Years

CONTACT

15400 19 Mile Rd, Clinton Township, MI 48038

Thomas J. Ciaramitaro

Estate Planning, Family Law, Criminal, Collection

Status: Licensed: 54 Years

CONTACT

42850 Garfield Rd, Clinton Township, MI 48038

800-814-6700

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LEGAL TERMS

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

FRAUDULENT TRANSFER

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee --... (more...)

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee -- for instance, when a debtor signs a car over to a relative to keep it out of the bankruptcy estate. Fraudulently transferred property can be recovered and sold by the trustee for the benefit of the creditors.

DEBT COLLECTOR

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe... (more...)

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe. Debt collectors can be relentless, often using scare tactics, humiliation and repeated phone calls to extract payments or promises to pay.

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.

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.

SUBROGATION

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off i... (more...)

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off its injured claimant takes the legal rights the claimant has against a third party that caused the injury, and sues that third party.

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

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Lapeer Collection Lawyer, Michigan, page 7

Sponsored Law Firm

Marrs & Terry, PLLC

SPONSORED LAWYERS

Ricardo Enriquez

John G McGill

Donald W. Teichman

Matthew M. Bieber

Larry D. Barnett

David R. Shook

Fred L. Gibson

Lawrence J. Lucido

Paul B. Gigliotti

Thomas J. Ciaramitaro

TIPS

LEGAL TERMS

REDEMPTION

FRAUDULENT TRANSFER

DEBT COLLECTOR

UNSECURED DEBT

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

SUBROGATION

COSIGNER

CREDIT REPORT

TRUTH IN LENDING ACT (TILA)

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