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Presque Isle County, MI Credit & Debt Lawyers

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Terri L. Tringali

Landlord-Tenant, Motor Vehicle, Lawsuit & Dispute, Immigration
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  41 Years
CONTACT
Onaway, MI 49765
Profile LAWPOINTS™32/100
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Erik J. Stone

Litigation, Estate Planning, Elder Law, Business
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  47 Years
CONTACT
151 E Huron Ave, Rogers City, MI 49779
Profile LAWPOINTS™22/100
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Maire Chagnon-Hazelman

General Practice
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  32 Years
CONTACT
Onaway, MI 49765
Profile LAWPOINTS™22/100
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Elaine Heidemann-Allan

Estate
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  32 Years
CONTACT
100 W Erie St, Rogers City, MI 49779
Profile LAWPOINTS™22/100
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Richard K. Steiger

Criminal
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  26 Years
CONTACT
331 S 5th St, Rogers City, MI 49779
Profile LAWPOINTS™22/100
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Michael D. Vogler

Government
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  39 Years
CONTACT
1354 W 3Rd St, Rogers City, MI 49779
Profile LAWPOINTS™22/100
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Donald J. Mclennan

Government, Environmental Law, Criminal, Consumer Bankruptcy
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  48 Years
CONTACT
377 E Woodward Ave, Rogers City, MI 49779
Profile LAWPOINTS™22/100
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Judy A. Mcfalda

Estate Planning, Labor Law, Family Law, Elder Law
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  31 Years
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540 N Bradley Hwy, Rogers City, MI 49779
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Karl W. Heidemann

General Practice
Status:  Suspended *Status is reviewed annually. For latest information visit here           Licensed:  40 Years
CONTACT
136 S 1St St, Rogers City, MI 49779
Profile LAWPOINTS™19/100
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Member Representative

800-814-6700

Free Help: Use This Form or Call 800-814-6700

Member Representative

Call me for fastest results!
800-814-6700

Free Help: Use This Form or Call 800-814-6700

By submitting this request, I authorize you to forward my information to multiple potential lawyers and I agree to your Terms of Use and Privacy Policy including the Consent to Receive Automated Phone Calls, Emails and Texts. Information you provide is not privileged or confidential.

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LEGAL TERMS

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.

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)
A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

401(K) PLAN

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income ... (more...)
A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income taxes on the amount invested and any earnings are due until the employee withdraws money from the fund.

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.

DEBIT CARD

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can ... (more...)
A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can also be used at stores to pay for goods and services in place of a check. Unlike a credit card, a debit card automatically withdraws money from your checking account at the time of the transaction. Debit cards are regulated by the Electronic Funds Transfer Act.

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.

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.

FDCPA

See Fair Debt Collections & Practices Act.

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.

SAMPLE LEGAL CASES

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

... at 1238, 44 Cal.Rptr.2d 352, 900 P.2d 601. When a mortgagee makes a full credit bid, the mortgage debt is satisfied, and the mortgage is extinguished. Bank of Three Oaks v. Lakefront Properties, 178 Mich.App. 551, 555, 444 NW2d 217 (1989). ...

Barth v. FIRST CONSUMER CREDIT, INC.

... arise under or relate to the contract. Defendant's alleged debt-collecting activities are inseparable from the credit relationship established by the terms of the installment contract. [1] Because plaintiffs' claims are arguably within ...

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

... [MCL 565.901(b).]. By contrast, defendant characterizes the Bensons' additional debt obligations secured by the mortgage as credit debt issued pursuant to their personal guaranty, which was secured by the mortgage. Importantly ...

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