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Edward Wartman
About | Practice Areas
Edward J. Wartman & Associates
516 East 86th Avenue Merrillville, IN 46410» view map
Bankruptcy & Debt Law
Highest Quality of Legal Services

At Edward J. Wartman & Associates Our experience runs deep and our successes are numerous, yet our motivation is simple.

219-791-1520
1. Edward Wartman Merrillville, IN
  Attorney at Law-IN, 1995
  John Marshall Law School, J.D. 1995
2. AboutEdward J. Wartman & Associates
  Highest Quality of Legal Services
3. Practice AreasExpertise
  Bankruptcy & Debt Law
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Edward John Wartman

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Accident & Injury, Bankruptcy & Debt, Criminal, Divorce & Family Law, Traffic

Ed was born and raised in Calumet City, Illinois graduating from Quigley South High School in Chicago in 1988. He graduated from Northwestern Univers... (more)

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219-791-1520

516 East 86th Avenue, Merrillville, IN 46410

William H. O'Toole

Tax, Foreclosure, Bankruptcy

Status: In Good Standing

FREE CONSULTATION

CONTACT

802 Wabash Avenue, Chesterton, IN 46304

Adam D. Decker

Business Successions, Collection, Commercial Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

10200 Broadway, Crown Point, IN 46307

P. Jeffrey Schlesinger

Bankruptcy, Criminal, DUI-DWI

Status: In Good Standing

FREE CONSULTATION

CONTACT

8396 Mississippi Street, Merrillville, IN 46410

Andrew L. Kraemer

Bankruptcy, Foreclosure

Status: In Good Standing

FREE CONSULTATION

CONTACT

506 E 86th Avenue, Merrillville, IN 46410

Nicole A. Bennett

Banking & Finance, Corporate, Collection, Constitutional Law

Status: In Good Standing

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1415 Eagle Ridge Drive, Schererville, IN 46375

Margo Rita Babineaux

Juvenile Law, Government, Trusts, Bankruptcy

Status: In Good Standing Licensed: 26 Years

CONTACT

13321 Wicker Ave, Cedar Lake, IN 46303

William Adam Kowalski

Bankruptcy & Debt, Personal Injury, Real Estate Other

Status: Retired Licensed: 67 Years

CONTACT

16732 Sheffield Ave, Cedar Lake, IN 46303

Jamey Ann Critchlow

Government, Wrongful Termination, Employment, Bankruptcy & Debt

Status: In Good Standing Licensed: 12 Years

CONTACT

13321 Wicker Avenue, Cedar Lake, IN 46303

William Herbert O'Toole

Estate Planning, Civil Rights, Contract, Bankruptcy

Status: In Good Standing

CONTACT

101 Beverly Dr, Chesterton, IN 46304

800-923-0641

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LEGAL TERMS

SUBROGATION

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off i... (more...)

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off its injured claimant takes the legal rights the claimant has against a third party that caused the injury, and sues that third party.

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.

CCCS

See Consumer Credit Counseling Service.

GUARANTEED RESERVATION

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehic... (more...)

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehicle for you no matter when you show up. If you have a guaranteed reservation with a hotel, it must provide you with a room, either at that hotel or at another comparable establishment. If you have a guaranteed reservation with a car agency, it must provide you with a vehicle. The downside of a guaranteed reservation is that if you don't show up and haven't cancelled your reservation, you will be billed for one night in the room or one day's use of the vehicle.

FAIR LABOR STANDARDS ACT (FLSA)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements ... (more...)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements for overtime and places restrictions on child labor.

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.

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.

SOLE PROPRIETORSHIP

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, m... (more...)

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, meaning that business profits are reported and taxed on the owner's personal tax return. Setting up a sole proprietorship is cheap and easy since no legal formation documents need be filed with any governmental agency (although tax registration and other permit and license requirements may still apply). Once you file a fictitious name statement (assuming you don't use your own name) and obtain any required basic tax permits and business licenses, you'll be in business. The main downside of a sole proprietorship is that its owner is personally liable for all business debts.

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.

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Gary Bankruptcy & Debt Lawyer, Indiana

Sponsored Law Firm

Edward J. Wartman & Associates

SPONSORED LAWYERS

Edward John Wartman

William H. O'Toole

Adam D. Decker

P. Jeffrey Schlesinger

Andrew L. Kraemer

Nicole A. Bennett

Margo Rita Babineaux

William Adam Kowalski

Jamey Ann Critchlow

William Herbert O'Toole

TIPS

LEGAL TERMS

SUBROGATION

FAIR CREDIT BILLING ACT (FCBA)

CCCS

GUARANTEED RESERVATION

FAIR LABOR STANDARDS ACT (FLSA)

AUTOMATIC STAY

FAIR CREDIT REPORTING ACT (FCRA)

SOLE PROPRIETORSHIP

NONEXEMPT PROPERTY

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