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Michael Grennier

Michael Grennier’s Answers

93 total


  • I was charged with Disorderly Intoxication and cannot afford an attorney. What should I plea?

    It is my first offense and my first time in court so I have no idea how to proceed. I would like to defend myself, as I said I cannot afford a lawyer.

    Michael’s Answer

    Absolutely ask for a public defender. Do not talk to law enforcement or the district attorney until you have legal counsel.

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  • I have injured in car accident and opposite party is not giving enough compensation for medical coverage even its not my fault.

    Opposite party is trying to get away by weather condition. I like to make sure that my medical expenses are fully satisfy by compensation and also my for my daughter. My car has been totaled, i want to make sure that I get fully compensation to my...

    Michael’s Answer

    Yourshould absolutely seek out the counsel of a well qualified personal injury attorney in your area. We at Grennier Law, PC are located in California and would not be able to help you in North Carolina.

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  • Battery charge.

    I was charged with battery and this is my first offense with this type of crime. I was told by the prosecutor that I was eligible for the first offender act and I would get probation and the crime would not go on my record. I was also told that ...

    Michael’s Answer

    It soulds like a reasonable plea bargain to me, so long as you are able to stay out of trouble until you have completed your probation period.

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  • If my nonconsumer debt is more than 51% of my total loans, I can file for chapter 7?

    I have lost a lawsuit and the other side has a judgement of 300k in atty fees. I owe 160k in student loans and 25k in credit cards. I make 10k gross monthly. I want to file chapter 7, but I was waiting for my income average to come down first, but...

    Michael’s Answer

    If the majority of your debt is non-consumer, you do not have to qualify under the Means Test. Simply put, yes, you can file Chapter 7. Of course there are other consideration, but your attorney can expain those to you in detail. You should consult an attorney.

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  • Can military star card keep my tax refund?

    use military star card .then lost my job willing to make payments that i can afford . can they keep my tax refund?

    Michael’s Answer

    Although the Military Card is not diretly related to the Federal Government, they have an arrangement that allows then to do actions that any other credit card could not.

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  • Ca home was foreclosed on 9 Nov 2012. They apparently "noticed" me Dec 2011.Possibilities of rescission?TNPower@aol.com

    I would like some kind of MOD. Could we get a rescission. Get my home back?Eviction is pending

    Michael’s Answer

    It is very difficult to undue a foreclosure. You should seek legal counsel immediately. If you were improperly given notice, you may have a legal basis for a legal remedy.

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  • Student Rehabilitation - Credit Report Hard Inquiry Pull

    My student lender (a university) recently rehabilitated my loan. They did a hard inquiry pull on my credit report. They said they needed to in order to make sure they remove the correct account. I reviewed our contract and no where does it say tha...

    Michael’s Answer

    The lender likely has your authorization to pull your credit, however, the probably do not have the authority to disseminate your credit report information to any third party without your written consent. In order to recover anything sizeable, you will be required to show how you have been damaged as a result of their conduct.

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  • I wold like to know what is a setttelment offer is all about and how it works with the bank , need some info before i go for it

    i owe the bank some 350.000 dollars on my second - equity line of credit - i like to make an offer to settle up - if they accept - this loan with the bank, the bank keeps refering to a short sale, i am under the impression that i make t...

    Michael’s Answer

    It appears that you are referring to two different loan resolutions... First a shot sale, and the second, a negotiated pay off of the loan. In a negotiated pay off, you will come to an agreement with the lender to pay a lump sum amount that is less than the balance owing. In a short sale, you will be selling the property for an amount that is acceptable to the first lender and the second lender. The second is usually paid the agreed amount by the first lender. Be aware that in either case, you will likely receive a 1099 for the forgiven amount which is considered income by the IRS. You would be wise to consult with an attorney before you sign any documents.

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  • Can I change my LLC to be only my daughter's so that I can file personal bankruptcy and not have to list it as an asset ?

    The LLC is not generating any income yet, and I have put all I own into it and am now in trouble with personal debt.

    Michael’s Answer

    The transfer of an asset before the filing of a bankruptcy must be disclosed in your bankruptcy filing. It may be considered a wrongful transfer and the bankruptcy trustee can undo the transfer based on that reasoning. You should consult with a qualified bankruptcy attorney in your area to determine if the asset is subject to seizure or if it can be protected using the appropriate exemptions.

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  • Oral (2 year SOL) or written (4 year SOL) CC Debt in CA?

    Hypothetical situation: NO written contract was ever entered into - only via phone conversation and process CC used CC defaulted Would this be oral with 2 year SOL? If not, why not?

    Michael’s Answer

    When you use a credit card in person, or by phone, you agree to the terms of the written credit card contract. That makes the transaction a written agreement and hence the longer statute of limitations will apply.

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