Houston Credit & Debt Lawyer, Texas, page 5

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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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Joseph H. Pedigo

Commercial Real Estate, State Appellate Practice, Wills, Credit & Debt

Status: In Good Standing Licensed: 35 Years

CONTACT

732-A Yale St, Houston, TX 77007

Rebecca Lynn Keeling

Intellectual Property, Credit & Debt, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 12 Years

CONTACT

3310 Katy Fwy, Houston, TX 77007

Maria Yolanda Gutierrez

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

Status: In Good Standing Licensed: 21 Years

CONTACT

3310 Katy Fwy, Houston, TX 77007

Takasha L. Francis

Personal Injury, Credit & Debt, Family Law, Business & Trade

Status: In Good Standing Licensed: 21 Years

CONTACT

901 Bagby St, Houston, TX 77002

Randall C. Elkins

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

Status: In Good Standing Licensed: 49 Years

CONTACT

500 Dallas Street, Houston, TX 77002

Mark Allan Worden

Oil & Gas, Business & Trade, Credit & Debt, Bankruptcy

Status: In Good Standing Licensed: 21 Years

CONTACT

500 Dallas St, Houston, TX 77002

Robert Glenn Stephens

Oil & Gas, Public Finance, Business & Trade, Credit & Debt

Status: In Good Standing Licensed: 34 Years

CONTACT

500 Dallas St, Houston, TX 77002

Adrienne S. Balfour-huertas

Business & Trade, Consumer Bankruptcy, Credit & Debt, Family Law

Status: In Good Standing Licensed: 25 Years

CONTACT

1219 Durham Dr, Houston, TX 77007

Kathleen Marie Patrick

Bankruptcy, Business & Trade, Credit & Debt, Litigation

Status: In Good Standing Licensed: 22 Years

CONTACT

1100 Louisiana, Houston, TX 77002

Elizabeth F. Karpati

International Other, Employee Rights, Administrative Law, Credit & Debt

Status: In Good Standing Licensed: 30 Years

CONTACT

1000 Louisiana Avenue, Houston, TX 77002

800-923-0641

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LEGAL TERMS

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.

REPOSSESSION

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and ... (more...)

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and has not attempted to work with the lender to resolve the problem. A repossessor can't use force to get at your car, but he can legally hot-wire it and even drive it out of your unlocked garage.

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

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 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.

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.

BANKRUPTCY TRUSTEE

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is t... (more...)

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is to gather the debtor's nonexempt property, liquidate it and distribute it proportionally to her creditors. In a Chapter 13 case, the trustee's role is to receive the debtor's monthly payments and distribute them proportionally to her creditors.

ABUSE

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because ... (more...)

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because the debtor appears to have enough disposable income to fund a Chapter 13 repayment plan.

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.

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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Houston Credit & Debt Lawyer, Texas, page 5

Sponsored Law Firm

The Fealy Law Firm, P.C.

SPONSORED LAWYERS

Joseph H. Pedigo

Rebecca Lynn Keeling

Maria Yolanda Gutierrez

Takasha L. Francis

Randall C. Elkins

Mark Allan Worden

Robert Glenn Stephens

Adrienne S. Balfour-huertas

Kathleen Marie Patrick

Elizabeth F. Karpati

TIPS

LEGAL TERMS

CREDIT BUREAU

REPOSSESSION

TRUTH IN LENDING ACT (TILA)

GUARANTEED RESERVATION

FAIR CREDIT BILLING ACT (FCBA)

CHAPTER 13 PLAN

BANKRUPTCY TRUSTEE

ABUSE

FAIR CREDIT REPORTING ACT (FCRA)

SAMPLE LEGAL CASES

Eaves v. Unifund CCR Partners

Dulong v. Citibank (South Dakota), NA

Martinez v. Midland Credit Management, Inc.

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