Adkins Bankruptcy & Debt Lawyer, Texas


Frank D. Sandoval Lawyer

Frank D. Sandoval

VERIFIED
Juvenile Law, Estate Planning, Family Law, Consumer Bankruptcy, Business

Dedicated to representing every client with personalized service and integrity. We never forget you are trusting us to resolve your case as if you wer... (more)

Robert  Joseph Lawyer

Robert Joseph

VERIFIED
Banking & Finance, Credit & Debt, International Other, Construction, Real Estate

Robert I. Joseph, P.C., believes in personal advocacy through every step of your case. Unlike other Texas law firms that may pass you off to an associ... (more)

Jon  Disrud Lawyer

Jon Disrud

VERIFIED
Estate Planning, Bankruptcy, Family Law, Criminal, Commercial Real Estate
Board Certified in Family Law, Texas Board of Legal Specialization.

I am a Board Certified Family attorney who practices in the San Antonio, Texas and surrounding counties. I have a great deal of experience regarding ... (more)

FREE CONSULTATION 

CONTACT

800-671-7990

Chance M. McGhee Lawyer

Chance M. McGhee

Bankruptcy & Debt, Bankruptcy, Collection, Foreclosure, Credit & Debt
San Antonio, Texas Bankruptcy Attorney

Attorney Chance McGhee is a highly respected bankruptcy attorney in the San Antonio area and beyond. He served as the past Treasurer and is currently ... (more)

FREE CONSULTATION 

CONTACT

210-342-3400

Rick Flume

Tax, Bankruptcy
Status:  In Good Standing           

FREE CONSULTATION 

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Laura Marion-Faul

Banking & Finance, Corporate, Commercial Banks, Credit & Debt
Status:  In Good Standing           

Terence A. Willis

Banking & Finance, Contract, Bankruptcy, Business Organization
Status:  In Good Standing           

Heidi McLeod

Litigation, Bankruptcy, Bankruptcy & Debt
Status:  In Good Standing           

FREE CONSULTATION 

CONTACT

Gershon D. Cohen

Bankruptcy, Litigation, Wills & Probate, Legal Malpractice
Status:  In Good Standing           Licensed:  48 Years

FREE CONSULTATION 

CONTACT

James B. Anders

International Other, Family Law, Criminal, Bankruptcy
Status:  In Good Standing           Licensed:  11 Years

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LEGAL TERMS

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)
An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)
The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)
The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

CREDITOR

A person or entity (such as a bank) to whom a debt is owed.

BULK SALES LAW

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to ... (more...)
A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to conduct a bulk sale of business assets -- that is, get rid of an unusually large amount of inventory, merchandise or equipment -- the business owner must typically publish a notice of the sale and give written notice to creditors. Then, the owner must set up an account to hold the funds from the sale for a brief period of time during which creditors may make claims against the money. The prohibition against bulk sales is spelled out in the Uniform Commercial Code -- and laws modeled on the UCC have been generally adopted throughout the country.

ACCORD AND SATISFACTION

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collectin... (more...)
An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collecting as much money as they can from debtors who cannot pay the full amount.

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)
A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

C CORPORATION

Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S c... (more...)
Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S corporation, whose profits are passed through to shareholders and taxed on their personal returns under subchapter S of the Internal Revenue Code.

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)
A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.