Michigan Consumer Bankruptcy Specialist

Detroit Chapter 7 and Chapter 13 Consumer Bankruptcy Filings

Michigan Utility shut-off Prevention Lawyer
 I, Walter Metzen, will provide, free of charge as part of your free initial Bankruptcy Analysis, a means test calculation to determine if you are eligible for Chapter 7 Bankruptcy.  Michigan Credit Card Debt Lawyer. Nearly 90% of the people who walk through my door are eligible to file a Chapter 7 Bankruptcy in Michigan and get a permanent discharge of their debt. With Chapter 13 Bankruptcy in Michigan, we can develop and affordable repayment plan to fit every budget.
 

 Contact me, Michigan bankruptcy attorney Walter Metzen to learn more about how I can help you get a Fresh Financial Start!.

Choosing a Bankruptcy Lawyer in Michigan

Solving Your Credit Problems Michigan Credit Card Debt Lawyer

 

Bankruptcy/Legal Dictionary

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  • NACHA

    National Automated Clearing House Association
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  • Nation

    A group or race of people that share history, traditions and culture. The United Kingdom is comprised of four nations or national groups: the English, Scots, Irish and Welsh. Canada includes French-Canadians, English-Canadians and a number of aboriginal nations. Thus, states may be comprised of one or several nations. It is common English to use the word "nation" when referring to what is known in law as "states."
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  • National treatment

    A tenet of international trade agreements whereby nations must afford imported goods the same treatment that they afford domestic or "national" products (no discrimination).
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  • Natural justice

    A word used to refer to situations where audi alteram partem (the right to be heard) and nemo judex in parte sua (no person may judge their own case) apply. The principles of natural justice were derived from the Romans who believed that some legal principles were "natural" or self-evident and did not require a statutory basis. These two basic legal safeguards govern all decisions by judges or government officials when they take quasi-judicial or judicial decisions.
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  • NCND Agreement

    An international trade instrument; "non circumvention/non disclosure agreement" used in the preliminary stages of a business transaction where the Seller and Buyer do not know each other, but are brought into contact with each other by one or more intermediaries (also known as brokers or middlemen), to fulfill the transaction. Non Circumvention/Non Disclosure Agreements ensure that the intermediaries in the transaction are not cicumvented and excluded from the transaction by the Buyer and/or Seller and/or the other intermediaries. Many trade transactions are chain-like. Product flows like this: seller-broker-broker-broker-buyer. The brokers in the middle use NCNDs to ensure that they are not circumvented by anyone else in the chain; also, to ensure that information on the other parties in the chain is not disclosed to outside parties. They are valid for a specified term; usually two years.
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  • NCP

    Non-Custodial Parent
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  • NDM

    Network Data Mover
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  • NDNH

    National Directory of New Hires
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  • Negligence

    Not only are people responsible for the intentional harm they cause, but their failure to act as a reasonable person would be expected to act in similar circumstances (i.e. "negligence") will also give rise to compensation. Negligence, if it causes injury to another, can give rise to a liability suit under tort. Negligence is always assessed having regards to the circumstances and to the standard of care which would reasonably be expected of a person in similar circumstances. Everybody has a duty to ensure that their actions do not cause harm to others. Between negligence and the intentional act there lies yet another, more serious type of negligence which is called gross negligence. Gross negligence is any action or an omission in reckless disregard of the consequences to the safety or property of another. See also contributory negligence and comparative negligence.
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  • Negotiate

    To communicate on a matter of disagreement between two parties, with a view to first listen to the other party's perspective and to then attempt to arrive at a resolution by consensus.
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  • Nemo judex in parte sua

    Latin and a fundamental principle of natural justice which states that no person can judge a case in which he or she is party. May also be called nemo judex in sua causa or nemo debet esse judex in propria causa.
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  • Next of kin

    The nearest blood relative of a deceased. The expression has come to describe those persons most related to a dead person and therefore set to inherit the decesased's property.
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  • NH

    New Hire
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  • Nolo contendere

    Latin for "I will not defend it." Used primarily in criminal proceedings whereby the defendant declines to refute the evidence of the prosecution. In some jurisdictions, this response by the defendant has same effect as a plea of guilty.
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  • Non est factum

    Latin for "not his deed" and a special defense in contract law to allow a person to avoid having to respect a contract that she or he signed because of certain reasons such as a mistake as to the kind of contract. For example, a person who signs away the deed to a house, thinking that the document signed was only a guarantee for another person's debt, might be able to plead non est factum in a court and on that basis get the court to void the contract.
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  • Non-joinder

    When a person who should have been made a party to a legal proceedings has been forgotten or omitted. This is usually addressed by asking the court to amend documents and including the forgotten party to the proceedings. It is the opposite of mis-joinder.
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  • Noncustodial Parent

    parent who does not have primary custody of a child
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  • Nonfeasance

    Not doing something that a person should be doing. Compare with malfeasance and misfeasance.
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  • Notary

    Also known as "notary public": a legal officer with specific judicial authority to attest to legal documents usually with an official seal. Most countries do not have notaries vesting administrative legal authority in lawyers or court officers. Jurisdictions which do have notaries include the Canadian provinces of Quebec and British Columbia and Australia.
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  • Notwithstanding

    In spite of, even if, without regard to or impediment by other things.
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  • Novation

    Substitute a new debt for an old debt cancelling the old debt. (Compare with "subrogation")
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  • NPRC

    National Personnel Records Center
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  • Nudum pactum

    A contract-law term which stands for those agreements which are without consideration, such as a unilateral undertaking, which may bind a person morally, but not under contract law, in those jurisdictions which still require consideration.
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  • Nuisance

    Excessive or unlawful use of one's property to the extent of unreasonable annoyance or inconvenience to a neighbor or to the public. Nuisance is a tort.
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  • Nunc pro tunc

    Latin: now for then. It refers to the doing of something late (after it should have been done in the first place), with effect as if it had been done on time.
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  • Nursing Home Neglect

    the area of law focusing on the establishments that provide maintenance and personal or nursing care for persons who are unable to care for themselves.
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Bankruptcy Basics - For Cases Filed on or after October 17, 2005 (pdf)
Bankruptcy Basics - For Cases Filed before October 17, 2005 (pdf)

   
Contact me, Detroit bankruptcy lawyer Walter Metzen today to schedule your free initial consultation. I also offer clients flexible appointment times and same day appointments if necessary. Get in touch with me today to learn how filing bankruptcy may be beneficial for you and your family. Why should you hire a Board Certified Bankruptcy Specialist? Click Here. My office has handled over 10,000 bankruptcy cases in Michigan and will apply this experience to your case as well. My office prides itself on fast, detailed, personal service. There are many different aspects to a bankruptcy case. Some of the different aspects are listed on the links below for you to explore. If you have any questions while exploring this site or would like a free personal bankruptcy consultation, contact my office at (313) 962-4656 or toll free 888-777-FILE.

 

 Contact me, bankruptcy attorney Walter Metzen to learn more about how I can help you get a Fresh Financial Start!.

 Be sure to Obtain a copy of your Credit Report after your Michigan Bankruptcy Filing and check it for Mistakes.

Contact me, bankruptcy attorney Walter Metzen to learn more about how the new Chapter 7 bankruptcy law may affect your case. I offer a free initial consultation so we can discuss your case personally.

Michigan Bankruptcy attorney Walter Metzen represents  bankruptcy clients throughout Michigan, including Alcona County, Alger County, Allegan County, Alpena County, Antrim County, Arenac County, Baraga County, Barry County, Bay County, Benzie County, Berrien County, Branch County, Calhoun County, CaSs County, Charlevoix County, Cheboyban County, Chippewa County, Claire County, Clinton County, Crawford County, Delta County, Dickinson County, Eaton County, Emmet County, Genesee County, Gladmin County, Gogebic County, Grand Traverse County, Gratiot county, Hillsdale County, Houghton County, Huron County, Ingham County, Ionia County, Iosco County, Iron County, Isabella County, Jackson County, Kalamazoo County, Kalkaska County, Kent County, Keweeenaw County, Lake, County, Lapeer County, Leelanau County, Lenawee County, Livingston County, Luce County, Mackinac County, Macomb County, Manistee County, Marquette County, Mason County, Mecosta County, Menominee County, Midland County, Missaukee County, Monroe County, Montcalm County, Montmorency County, Muskegon County, Newaygo County, Oakland County, Oceana County, Ogemaw County, Ontonagon County, Osceloa County, Oscoda County, Otsego County, Ottawa County, Presque Isle County, Roscommon County, Saginaw County, Saint Clair County, Saint Joseph, Sanilac County, Schoolcraft County, Shiawassee County, Tuscola County, Van Buren County, Washtenaw County, Wayne County, Wexford County.

 


 
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Walter Metzen,  Board Certified  Consumer Bankruptcy Lawyer in Detroit, Michigan


645 Griswold, Suite 3156
Penobscot Building
Detroit MI 48226
Map & Directions

Phone:(313) 962-4656
toll free (888) 777-FILE
toll free(800) 398-DEBT
Fax:(313) 962-4241
Email: 8884walter@sbcglobal.net
Michigan Board Certified Consumer Bankruptcy Specialist Walter Mezen, American Board of Certification American Bankruptcy Institute 313-962-4656 Toll Free: 888-777-FILE