Emeryville Bankruptcy & Debt Lawyer, California, page 3

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Carl Gustafson
About | Practice Areas
Lincoln Law
24301 Southland Dr. #214B Hayward, CA 94545» view map
Bankruptcy & Debt
Committed to Our Clients

Lincoln Law was established to provide relief to those in debt. We've helped thousands of families regain control of their finances and live debt-free again.

800-722-6578
1. Carl Gustafson Hayward, CA
  Attorney at Law - CA, 2007
  University of California J.D. 2007
2. AboutLincoln Law
  Eliminate your debt by contacting Lincoln Law today.
3. Practice AreasExpertise
  Bankruptcy & Debt
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Sally J Elkington

Other, Litigation, Business, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

1425 Leimert Boulevard, Oakland, CA 94602

Thomas Patrick Sullivan

Real Estate, Litigation, Lawsuit & Dispute, Commercial Bankruptcy

Status: In Good Standing Licensed: 43 Years

CONTACT

1000 Marina Village Pkwy, Alameda, CA 94501

Stephen Fremont Clayton

International Other, International, Business & Trade, Commercial Bankruptcy

Status: In Good Standing Licensed: 47 Years

CONTACT

370 Wildwood Ave, Oakland, CA 94611

Annalee Cobbett

Elder Law, Business & Trade, Commercial Bankruptcy, Guardianships & Conservatorships

Status: Inactive Licensed: 31 Years

CONTACT

5517 Vallejo St, Oakland, CA 94608

800-923-0641

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LEGAL TERMS

SECURED DEBT

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collater... (more...)

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collateral, to satisfy the debt if you default. Compare unsecured debt.

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.

CHAPTER 13 PLAN

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to ... (more...)

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to pay all mandatory debts -- for example, back child support, taxes, and mortgage arrearages -- as well as some or all unsecured, nonpriority debts, such as medical and credit card bills.

NO-FAULT INSURANCE

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain ... (more...)

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain amount, regardless of who was at fault. The effect of no-fault insurance laws is to eliminate lawsuits in small accidents. The advantage is the prompt payment of medical bills and expenses. The downsides are that the amounts paid by no-fault policies are often not enough to fully cover a person's losses and that no-fault does not compensate for pain and suffering.

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.

FAIR CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

UNDUE HARDSHIP

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in t... (more...)

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in the future to pay off the loan may be able to show that repayment would be an undue hardship.

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

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Emeryville Bankruptcy & Debt Lawyer, California, page 3

Sponsored Law Firm

Lincoln Law

SPONSORED LAWYERS

Sally J Elkington

Thomas Patrick Sullivan

Stephen Fremont Clayton

Annalee Cobbett

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LEGAL TERMS

SECURED DEBT

DISPOSABLE INCOME

CHAPTER 13 PLAN

NO-FAULT INSURANCE

DEBT COLLECTOR

FAIR CREDIT REPORTING ACT (FCRA)

UNDUE HARDSHIP

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

FAIR CREDIT BILLING ACT (FCBA)

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