Cumberland Collection Lawyer, Rhode Island

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Joseph Botelho
About | Practice Areas
Botelho Law Group
901 Eastern Ave Suite 2 Fall River, MA 02723» view map
Bankruptcy & Debt Law
Fall River Lawyers

At the Botelho Law Group we have several attorneys, with different specializations; to help your case’s individual needs.

800-229-5331
1. Joseph Botelho Fall River, MA
  Attorney at Law- MA, 2000
  University of Massachusetts School of Law, J.D. 2000
2. AboutBotelho Law Group
  Fall River Lawyers
3. Practice AreasExpertise
  Bankruptcy & Debt Law
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2. Email
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Jennifer A. Armstrong

Collection, Consumer Bankruptcy, Workout, Foreclosure

Status: In Good Standing

FREE CONSULTATION

CONTACT

353 Armistice Boulevard, Pawtucket, RI 02861

Annie Goldberg

Patent, Collection

Status: In Good Standing

CONTACT

250 Benefit St, Providence, RI 02901

Armando O. Monaco

Family Law, Divorce, Corporate, Collection

Status: In Good Standing

CONTACT

1 Dorrance Plaza, Providence, RI 02903

E. Martin Stutchfield

Collection

Status: In Good Standing

CONTACT

1080 Main Street, Pawtucket, RI 02860

Edward G. Lawson

Government, Family Law, Collection, Bankruptcy & Debt

Status: In Good Standing

CONTACT

260 Lonsdale Avenue, Pawtucket, RI 02860

Frank L. Orabona

Immigration, Child Custody, Criminal, Collection

Status: In Good Standing

CONTACT

129 Dorrance Street, Providence, RI 02903

Gary R. Pannone

Immigration, Business, Collection, Bankruptcy

Status: In Good Standing

CONTACT

1301 Atwood Avenue, Johnston, RI 02919

Gerard H. Donley

Collection, Mini-trials, Juvenile Law

Status: Inactive

CONTACT

1 Turks Head Place, Providence, RI 02903

James A. Musgrave

Power of Attorney, Landlord-Tenant, Traffic, Collection

Status: In Good Standing

CONTACT

10 Weybosset St, Providence, RI 02903

John A. Mcqueeney

Employee Rights, Business, Collection

Status: In Good Standing

CONTACT

55 Dorrance St, Providence, RI 02903

800-923-0641

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LEGAL TERMS

TRADE NAME

The official name of a business, the one it uses on its letterhead and bank account when not dealing with consumers.

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.

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.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

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.

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.

FDCPA

See Fair Debt Collections & Practices Act.

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.

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.

Cumberland Collection Lawyer, Rhode Island

Sponsored Law Firm

Botelho Law Group

SPONSORED LAWYERS

Jennifer A. Armstrong

Annie Goldberg

Armando O. Monaco

E. Martin Stutchfield

Edward G. Lawson

Frank L. Orabona

Gary R. Pannone

Gerard H. Donley

James A. Musgrave

John A. Mcqueeney

TIPS

LEGAL TERMS

TRADE NAME

GRACE PERIOD

401(K) PLAN

INTEREST

NONEXEMPT PROPERTY

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

FDCPA

DEBT COLLECTOR

CREDIT BUREAU

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