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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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Attorney Profiles |
 Andrew J. Thav , J.D.
Andrew Thav joins Jamie Ryke as one of the two principals of this business organization. Mr. Thav was raised on bankruptcy law as the child partner in a very successful law firm in this market. Even before he entered this specialized field, he was already seasoned in bankruptcy law thorough his history and association with a prominent law firm in the bankruptcy field. At the beginning of his professional career, Mr. Thav held a clerkship with the Federal Bankruptcy Court — , providing him with a unique perspective into the processes and hurdles facing these clients. His degrees include a Bachelor of Science in Political Science from Michigan State University and a Juris Doctorate from the University of Detroit Mercy School of Law. He is particularly skilled in Lexis, Westlaw and numerous computerized-business tools. Beyond the everyday technical expertise he contributes, perhaps his most important assets are his proven leadership and people skills; crucial for the effective delivery of bankruptcy services in a caring, professional, and informative manner.
Practice Areas
Contact Information
Email: athav@thavandryke.com
Thav & Ryke, PLLC
299200 Northwestern Highway, Suite 155
Southfield, MI 48034
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