Marc A. Hanna "Your Hometown Lawyer"


As your hometown Fenton Lawyer I can assist you with general legal counsel and other services that include:

Chapter 7 bankruptcy- may completely eliminate most kinds of unsecured debt. Some examples of unsecured debts Chapter 7 may eliminate are credit cards; medical bills; most personal loans; most court Judgments; and deficiencies on repossessed vehicles/items.

The Bankruptcy Code allows you to keep certain "exempt" property - usually ALL of your property.  If there is any nonexempt property, the bankruptcy trustee may gather and sell your nonexempt assets and use the proceeds of such assets to pay holders of claims (creditors) in accordance with the provisions of the Bankruptcy Code. Some of your property (like vehicles and houses) may be subject to liens and mortgages that pledge the property to a creditor. Debtors wishing to keep such liened or mortgaged property should continue to pay those debts. A chapter 7 bankruptcy case does not involve the filing of a plan of repayment as in chapter 13.

Chapter 13 bankruptcy - is an interest-free debt repayment plan through which you consolidate your debts and make a payment on your debt over a 3 to 5 year period. While in a Chapter 13 debt repayment plan, the creditors cannot collect from you, and the creditors are required by a Federal Court order to adhere to the terms of the plan.

One very important thing to remember about Chapter 13 bankruptcy is that you must be working or have a consistent source of income for your repayment plan to be approved by the court. Not only must you be able to pay for your monthly living expenses, but you must also be able to make a payment to the court to consolidate your debts.

Debts that are generally consolidated in a Chapter 13 bankruptcy are mortgage arrears, balances on vehicle loans, student loans, credit card debts and other unsecured debts. All outstanding debts must be included in the Chapter 13 bankruptcy consolidation.

Trusts & Estates - Marc routinely advise his clients with regard to important estate planning issues. In addition to preparing documents, he explains the probate process, and discusses what is and what not a probate asset. Marc will discuss the role of life insurance and other assets with designated beneficiaries. He will discuss plans and strategies for persons with disabilities and methods to safeguard valuables and documents.

Wills - a person or "testator" expresses, in writing, what he or she wants done with their property after they die. Most states require wills to be signed by the testator and witnessed by two people. "Probate" is a court proceeding in which final debts are settled and legal title to property is formally passed from the deceased person, to the heirs. Probate proceedings take place in the probate court or surrogate court in the county of the decedent's legal residence at the time of death. If a person dies "intestate," meaning "without a will," state law determines how to distribute their property.

Please call (810) 458-4658 today for a free, no obligation telephone consultation. Or, if you're more comfortable, you may email me at and I will try my best to answer your questions via email.

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