Contra Costa County, CA Bankruptcy & Debt Lawyers

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Carl Richard Gustafson Lawyer

Carl Richard Gustafson

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Bankruptcy & Debt

Carl R. Gustafson is a Certified Bankruptcy Law Specialist with the California Board of Legal Specialization! In 2003, Carl graduated from UCLA Mag... (more)

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CONTACT

800-722-6578

Calvin Dean Zamansky

Consumer Bankruptcy, Workout, Credit & Debt
Status:  In Good Standing           

Frank R. Acuña

Estate, Private Judging, Mediation, Collection
Status:  In Good Standing           

FREE CONSULTATION 

CONTACT

Lubna K Jahangiri

Commercial Real Estate, Employment Contracts, Business, Consumer Bankruptcy
Status:  In Good Standing           Licensed:  23 Years

Michael Fosco

Divorce & Family Law, Child Custody, Bankruptcy, Personal Injury
Status:  In Good Standing           

Eric I. Samuels

Conveyancing, Foreclosure, Business Organization, Dissolution
Status:  In Good Standing           Licensed:  26 Years

Scott Douglas Jordan

Litigation, Wills & Probate, Business, Bankruptcy
Status:  In Good Standing           

Dana Edward Snider

International, Gift Taxation, Bankruptcy, Bankruptcy & Debt
Status:  In Good Standing           Licensed:  51 Years

Dominic Gerardo Flamiano

Litigation, Employee Rights, Insurance, Bankruptcy
Status:  In Good Standing           Licensed:  35 Years

Douglas John Hartsough

Power of Attorney, Other, Real Estate, Credit & Debt
Status:  In Good Standing           Licensed:  36 Years

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

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Call me for fastest results!
800-943-8690

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

By submitting this lawyer request, I confirm I have read and agree to the Consent to Receive Messages from all messaging and voice technologies including Email, Text, Phone, Terms of Use, and Privacy Policy. Information provided is not privileged or confidential.

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LEGAL TERMS

401(K) PLAN

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income ... (more...)
A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income taxes on the amount invested and any earnings are due until the employee withdraws money from the fund.

CHAPTER 7 BANKRUPTCY

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 b... (more...)
The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 bankruptcy takes from three to six months, costs about $200, and commonly requires only one trip to the courthouse.

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.

CREDIT COUNSELING

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Unde... (more...)
Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Under the new bankruptcy law, a debtor must undergo credit counseling with an approved provider before filing for bankruptcy.

FCRA

See Fair Credit Reporting Act.

CCCS

See Consumer Credit Counseling Service.

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.

FRATERNAL BENEFIT SOCIETY BENEFITS

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal socie... (more...)
These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal societies that provide benefits. Also called benefit society, benevolent society or mutual aid association benefits. Under bankruptcy laws, these benefits are virtually always considered exempt property.

CHAPTER 13 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)
The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.