Cape Coral Bankruptcy & Debt Lawyer, Florida

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Raymond Brian Mitchell Lawyer

Raymond Brian Mitchell

VERIFIED
Civil Rights, Bankruptcy, Personal Injury, Family Law, Federal Appellate Practice
Protecting Your Children, Family, Income, Assets, Life, Liberty, Property, and Pursuit of Happiness!

Protecting Your Life, Liberty, Property, Family, Income, Assets, and Pursuit of Happiness! Eliminate Debts & Get a Fresh Start! See Your Children! Pro... (more)

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Diane Muenze Gonzalez Lawyer

Diane Muenze Gonzalez

VERIFIED
Criminal, Immigration, Bankruptcy & Debt, Divorce & Family Law, Accident & Injury

With over 25 years of experience, attorney Diane Gonzalez has provided numerous clients effective and reliable legal counsel on a wide range of legal ... (more)

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Robert C. Hill

Criminal, Banking & Finance, Bankruptcy, Animal Bite
Status:  In Good Standing           

Susan Lorene Ray

Bankruptcy, Child Custody, Child Support, Divorce
Status:  In Good Standing           

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Mark Philip Smith

Civil Rights, Bankruptcy, Products Liability, Insurance, Mass Torts
Status:  In Good Standing           

Eviana J Martin

Family Law, Divorce & Family Law, Consumer Bankruptcy, Bankruptcy
Status:  In Good Standing           

Eviana J Martin

Family Law, Divorce & Family Law, Consumer Bankruptcy, Bankruptcy
Status:  In Good Standing           

Steven Klaus Teuber

Civil Rights, Bankruptcy, Construction, Education, Divorce
Status:  In Good Standing           Licensed:  19 Years

Gregory N. Burns

Bankruptcy & Debt, Elder Law, Estate Planning, Estate
Status:  Deceased           Licensed:  50 Years

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Nicole Leigh Naumann

Real Estate, Title Insurance, Residential Real Estate, Credit & Debt, Real Estate
Status:  In Good Standing           Licensed:  14 Years

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LEGAL TERMS

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily fu... (more...)
A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily funded by voluntary donations from the creditors that receive payments from debtors repaying their debts through that office. Despite this criticism, most CCCS counselors provide clients with thorough and neutral advice.

DISCHARGE (OF DEBTS)

A bankruptcy court's erasure of the debts of a person or business that has filed for bankruptcy.

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)
A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

FCBA

See Fair Credit Billing Act.

AUTOMATIC STAY

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities,... (more...)
An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities, such as filing or continuing lawsuits, making written requests for payment, or notifying credit reporting bureaus of an unpaid debt.

DOING BUSINESS AS (DBA)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or ... (more...)
A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or similar document with the appropriate agency -- for example, the county clerk. This enables consumers to discover the names of the business owners, which is important if a consumer needs to sue the business.

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)
A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

SECRET WARRANTY PROGRAM

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid... (more...)
A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid a recall and the accompanying bad press. Secret warranties are rarely advertised by the manufacturer, so consumers must pursue the manufacturer to discover and take advantage of them. A few states require manufacturers to notify car buyers when they adopt secret warranty programs.

NONEXEMPT PROPERTY

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typicall... (more...)
The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typically includes valuable clothing (furs) and electronic equipment, an expensive car that's been paid off and most of the equity in your house. Compare exempt property.