Highlands Credit & Debt Lawyer, Texas

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Vicky Fealy
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The Fealy Law Firm, P.C.
1235 North Loop West Suite 1005 Houston, TX 77008 » view map
Bankruptcy, Judgments, & Foreclosures
Houtson Bankruptcy Lawyers

Helping clients take control of their finances, for more that years. Board Certified in Consumer Bankruptcy by the Texas Board of Legal Specialization.

800-810-9591
1. Vicky Fealy Houston, TX
  Attorney At Law - Texas, 1991
  University of Houston Law Center, J.D.
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Eric Stephen Southward

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Bankruptcy & Debt, Credit & Debt, Collection

I am a member of the State Bar of Indiana and admitted to practice in the Southern District of Texas, Northern District of Illinois, and the Northern ... (more)

FREE CONSULTATION

CONTACT

713-974-8099

715 E Whitney St, Houston, TX 77022

Morley Chenail Diment

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Bankruptcy & Debt, Credit & Debt, Tax

Specializing in navigating the complex legal issues present in consumer and corporate asset & debt cases. Our firm assists clients both statewide and ... (more)

FREE CONSULTATION

CONTACT

832-400-2180

512 East 11th St., Houston, TX 77008

Christopher P. Craven

Real Estate, Litigation, Corporate, Credit & Debt

Status: In Good Standing

CONTACT

440 Louisiana, Houston, TX 77002

Stephen H. Doncarlos

Commercial Real Estate, Wills, Business & Trade, Credit & Debt

Status: In Good Standing

CONTACT

825 Rollingbrook Dr, Baytown, TX 77521

Ralph Todd Willis

Employee Rights, Elder Law, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 22 Years

CONTACT

205B E San Augustine St, Deer Park, TX 77536

James M. Lowry

Credit & Debt, Family Law, Science, Technology & Internet, Business & Trade

Status: In Good Standing Licensed: 48 Years

CONTACT

10904 Mesquite Dr, La Porte, TX 77571

Holly Torbert Williamson

Juvenile Law, Commercial Real Estate, Business & Trade, Credit & Debt

Status: In Good Standing Licensed: 27 Years

CONTACT

7330 Spencer Hwy, Pasadena, TX 77505

M. Rene Sandel

Elder Law, Administrative Law, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 37 Years

CONTACT

2007 N Palm Ct, Pasadena, TX 77502

William H. Patterson

Family Law, Elder Law, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 37 Years

CONTACT

2007 N Palm Ct, Pasadena, TX 77502

Mitchell Carlos Contreras

Environmental Law Other, Elder Law, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 42 Years

CONTACT

Deer Park, TX 77536

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.

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

NONDISCHARGEABLE DEBTS

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chap... (more...)

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chapter 13 bankruptcy, the nondischargeable debts will have to be paid in full during your plan or you will have a balance at the end of your case. Examples of nondischargeable debts include alimony and child support, most income tax debts, many student loans and debts for personal injury or death caused by drunk driving. Compare dischargeable debts.

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

FDCPA

See Fair Debt Collections & Practices Act.

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.

PRIORITY DEBT

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13... (more...)

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13 bankruptcy. Priority debts include alimony and child support, fees owed to the trustee and the attorney in the bankruptcy case, and wages owed to employees.

TRADE NAME

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

SAMPLE LEGAL CASES

Eaves v. Unifund CCR Partners

... Tommy L. Eaves appeals the jury's verdict against him in Unifund CCR Partners ("Unifund Partners") suit to collect unpaid credit-card debt. We affirm. BACKGROUND. Citibank issued an AT & T credit card to Eaves, and Eaves made purchases with the card. ...

Dulong v. Citibank (South Dakota), NA

... 892 OPINION. Opinion by Justice RICHTER. This case involves a traditional summary judgment in a credit card debt collection matter. Citibank (South Dakota), NA ("Citibank") sued Donna Dulong to recover the balance owed on a credit card (the "Credit Card"). ...

Martinez v. Midland Credit Management, Inc.

... denied), argued that Midland was not entitled to proceed on a sworn account theory to recover a credit card debt. At the hearing on Martinez's Motion for New Trial, Midland argued that its claim was one for breach of contract. ...

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Highlands Credit & Debt Lawyer, Texas

Sponsored Law Firm

The Fealy Law Firm, P.C.

SPONSORED LAWYERS

Eric Stephen Southward

Morley Chenail Diment

Christopher P. Craven

Stephen H. Doncarlos

Ralph Todd Willis

James M. Lowry

Holly Torbert Williamson

M. Rene Sandel

William H. Patterson

Mitchell Carlos Contreras

TIPS

LEGAL TERMS

SECURED DEBT

GARNISHMENT

NONDISCHARGEABLE DEBTS

REDEMPTION

CREDIT REPORT

FDCPA

GRACE PERIOD

PRIORITY DEBT

TRADE NAME

SAMPLE LEGAL CASES

Eaves v. Unifund CCR Partners

Dulong v. Citibank (South Dakota), NA

Martinez v. Midland Credit Management, Inc.

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