Coker Credit & Debt Lawyer, Alabama


Anne Wilson Guthrie Lawyer

Anne Wilson Guthrie

VERIFIED
Bankruptcy, Family Law, Juvenile Law, Social Security, Divorce & Family Law

Anne Guthrie is a practicing lawyer in the state of Alabama. She received her J.D. from University of Alabama School of Law in 2000. Anne works at Wil... (more)

E. Calhoun Wilson

Bankruptcy, Wills & Probate, Social Security -- Disability, Estate Planning
Status:  In Good Standing           

Kathryn Lila Bettis

Defect and Lemon Law, Bankruptcy & Debt
Status:  In Good Standing           Licensed:  15 Years

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Ruth Brightwell Mcfarland

Banking & Finance, Credit & Debt, Collection, Bankruptcy & Debt
Status:  In Good Standing           Licensed:  27 Years

Jay F. Guin

Government, Gift Taxation, Corporate, Credit & Debt
Status:  In Good Standing           

Elizabeth Schadt Gordon

Residential Real Estate, Land Use & Zoning, Estate Planning, Commercial Bankruptcy
Status:  Inactive           Licensed:  25 Years

Rachel Callie Lavender Webber

Foreclosure, Credit & Debt, Commercial Bankruptcy, Bankruptcy & Debt
Status:  In Good Standing           Licensed:  25 Years

William Ellis Mccartney

Litigation, Banking & Finance, Collection, Bankruptcy
Status:  In Good Standing           Licensed:  12 Years

Jillian Laura Guin White

Lawsuit & Dispute, Estate Planning, Business & Trade, Bankruptcy & Debt
Status:  In Good Standing           Licensed:  13 Years

James D. Smith

Family Law, Civil Rights, Consumer Bankruptcy, Personal Injury
Status:  In Good Standing           

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Free Help: Use This Form or Call 800-943-8690

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LEGAL TERMS

REAFFIRMATION

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing deb... (more...)
An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing debt after the bankruptcy case is over. For instance, a debtor might make a reaffirmation agreement with the holder of a car note that the debtor can keep the car and must continue to pay the debt after bankruptcy.

ADMINISTRATIVE EXPENSES

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Admi... (more...)
The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Administrative costs are typically 10% of the debtor's total payments under the plan.

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)
A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

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.

FCRA

See Fair Credit Reporting Act.

GENERAL PARTNER

A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the... (more...)
A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the business's debts and obligations. A general partner's actions can legally bind the entire business. See also partnership, limited partnership.

DEBT COLLECTOR

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe... (more...)
A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe. Debt collectors can be relentless, often using scare tactics, humiliation and repeated phone calls to extract payments or promises to pay.

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)
A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

CREDIT BUREAU

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit... (more...)
A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit card companies that use the information to screen applicants for loans and credit cards. There are three major credit bureaus, Equifax, Experian and Trans Union, and they are regulated by the federal Fair Credit Reporting Act.

SAMPLE LEGAL CASES

Woods v. SunTrust Bank

... In November 2005, SunTrust withdrew $1,899 from the Gilchrists' checking account to offset part of the delinquent equity-line-of-credit debt. ... In the spring of 2005, SunTrust began collection efforts on the delinquent equity-line-of-credit debt. ...

FEDERAL CREDIT, INC. v. Fuller

... "Greg Fuller alleges that a letter being sent to him via his employer seeking repayment of a debt defamed him. Although indebtedness may be defamatory, the fact that he owed Federal Credit... was absolutely true. Truth is an absolute defense to defamation. ...

Hunt v. FEDERATED FINANCIAL CORPORATION OF AMERICA

... Procedural History. On June 28, 2009, FFCA, which had allegedly been assigned a credit-card debt owed by Hunt, filed a complaint alleging that Hunt owed $19,796.57 plus accrued interest on that credit-card account and seeking a judgment in that amount against Hunt. ...