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February 2017 Archives

Protections provided by the CARD Act, Part 1

Congress, in response to a rash of complaints against credit card companies, passed the 2009 Credit Card Accountability Responsibility and Disclosure Act (CARD Act). The purpose of the CARD Act was to enact several new rules to protect consumers from predatory credit practices. The CARD Act offers several protections to consumers, primarily in interest charges and credit card fees. This post will go over some of the protections.

Understanding Bankruptcy Law before Requesting For Financial Aid

Filing for bankruptcy can be a hard decision especially when you are facing financial adversities. To most, it mainly appears as a failure on their part. For others, it simply acts as a stepping stone to reinvent their financial decisions as they embark on a new debt free journey. When you file for bankruptcy, you must have been influenced by one or two crucial factors. In most cases, unforeseen circumstances which have ultimately dented your finances ping as the most common red flags. Before considering unwise decisions, you might want to file for Chapter 7 bankruptcy and protect your financial interests.

An in-depth review of do-it-yourself (DIY) divorce

Most people assume that divorce is a formulaic process. You get married, you decide to file for divorce, you hire attorneys, and the divorce is hashed out in court between two lawyers yelling at one another. But there are alternative divorce methods. This post will go over the pros and cons of DIY divorce and whether it is right for you.

Minors in possession: What you need to know

Everyone makes mistakes, especially when they're young. As an individual going to college, you'll make mistakes, too. If you went to a party and got caught drinking underage, you're not the first. Fortunately, laws in Michigan have changed, and being in possession for the first time no longer carries a misdemeanor charge. Here are a few things to think about before you go to court for a charge of being a minor in possession.

Should you file for bankruptcy?

Determining to file for bankruptcy is a difficult decision to make for anyone facing financial hardship. To some, it feels like a failure; or like losing. Filing for bankruptcy shouldn’t be seen this way as there is a myriad of reasons that bring people to file for bankruptcy, and many of them are often due to unforeseen circumstances beyond our control.  Making sure you take the appropriate steps for your situation, such as filing for Chapter 7 bankruptcy can help protect your financial future when unexpected events occur.

What collection agencies can and can't do

When you're buried under a mountain of debt, it can feel debilitating. Every phone call sends your heart racing and a trip to the mailbox becomes a dreaded event. On top of all the stress of trying to pay bills and make ends meet, you have collection agencies pestering you. If any of this sounds familiar, know that there is hope. Not only is it possible to get a fresh financial start but you also have rights when it comes to dealing with collection agencies.

A timeline for a typical divorce

Most people struggle mightily with the decision to divorce but even when that decision has been made, there are a number of unknowns that can make it a scary proposition. For instance, how do you actually go about getting a divorce from a logistical standpoint? To make this a little clearer, let's take a look at the way a "typical" divorce would proceed ("typical" is in quotes because the phrase "typical divorce" is an oxymoron).

What are the different types of child custody?

When you're going through a divorce, every issue can become contentious, but perhaps the most divisive subject during a split is child custody. And, while most people have a general knowledge of the concept of child custody, many don't know that there are several different types.

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5885 N. Wayne RD | The | Smith | Law Offices, P.C. | 734.729.4465
5885 N. Wayne RD | The | Smith | Law Offices, P.C. | 734.729.4465

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