Debt Defense and Other Consumer Matters
Debt buyers purchase "charged off" debts from banks and credit card companies, often for pennies on the dollar. The debt buyer, armed an assignment, will then try to collect that debt as if owed to it. If a debt buyer can't persuade you to pay the debt with letters and offers to compromise the debt, the debt buyer may file a collection case against you in state court. Just because the debt buyer says it's so doesn't make it so.
We defend consumers in these actions. If you get served with a lawsuit, contact us immediately for a free consultation regarding possible defenses.
Probate or Estate Administration
Probate is the means by which we transfer assets from the deceased to the living. It requires the appointment of a person to collect and sell the decedent's assets, pay the decedents' debts, and distribute what's left to those entitled to receive it.
What I do: I handle cases in the Bankruptcy Court, primarily for individual consumers, including:
Where I do it: I handle cases in all divisions of the Western and Eastern Districts of Michigan. My office is in downtown Grand Haven at 220 Franklin Avenue.
Why you need me: There is no such thing as a simple bankruptcy case. If someone tells you your case is simple, run for the hills—they haven't asked you enough questions. You need a lawyer (not a paralegal) who keeps up with the daily changes in Bankruptcy law and will take the time to understand your case in detail. You can lose assets if you hire a firm that emphasizes volume over quality. You can go to jail if your attorney is dishonest enough to let you lie, even about things that you may not think matter.
How much it costs: A Chapter 7 case will cost you between $1,500 and $5,000 in legal fees, depending on the complexity of the case and other factors. A typical Chapter 13 case costs about $5,000 in legal fees. A responsible house painter won't give you a price without seeing your house, so don't expect a lawyer to give you a firm price over the phone or on their web site.
We have extensive experience in representing taxpayers before the IRS, State of Michigan, and local boards of review for income, employment and real estate tax matters. Call now to explore solutions.
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Every adult should have at least a basic estate plan that includes a will, a durable power of attorney, and a designation of patient advocate. The most difficult part of creating an estate plan is making and keeping an appointment with an attorney to discuss it. Once you take that first step and set an appointment with Mr. Cotner, you should give consider the persons you want to benefit from your estate, and the persons you want to administer your estate.
Fair Debt Collection Practices Act
I sue abusive debt collectors.
Are creditors harassing you? Are you afraid to answer the phone? Have you been sued for an old debt?
Federal law requires your debt collectors to treat you truthfully, fairly, and with dignity, and respect. Debt collectors profit from illegal practices. As your attorney, I’ll discuss remedies for these abuses with you and will consider a contingency fee agreement, which means there are no fees or expenses charged to you unless I recover on your claim.
Legally Stop Creditors. Here's how:
We will provide you with a no-cost initial consultation and inform you whether you have a case and, if so, what it may be worth to you.