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May 1, 2008
Today, in the United States, states have created usury laws in order to set a maximum legal interest rate limit. Because Congress has chosen not to regulate interest rates on a national level, individual states have made the decision to to protect their consumers. Unfortunately, the usury cap is still at a very questionable rate and in the last twenty or so years it has only risen. In the state of Michigan, the usury rate is currently 25%. Which begs the question, why have interest rates been allowed to soar to such outrageous amounts?
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January 28, 2008
As it stands now, Chapter 13 bankruptcy is the most effective tool in saving your home from foreclosure. It allows you to get caught up, while freeing you from other debt you may have. However, there is a call to allow bankruptcy judges to help even more. Jack Kemp, the former secretary of Housing and Development, recently wrote an opinion for the Los Angeles Times. In it, he outlines changes that could make Chapter 13 bankruptcy more helpful to homeowner ’s and the economy in general.
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 Amy K. Gardner, J.D.
Amy Gardner is an associate in the law firm of Thav & Ryke. She started at Thav & Ryke as a law clerk before passing the Bar, and brings practical and hands-on bankruptcy law experience to the firm. Ms. Gardner attended the University of Detroit Mercy School of Law, and Albion College for her undergraduate studies. She was admitted to the State Bar of Michigan and the Federal Bar Association in 2005.
Practice Areas
Contact Information
Email: agardner@thavandryke.com
Thav & Ryke, PLLC
299200 Northwestern Highway, Suite 155
Southfield, MI 48034
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