Johnson County, TX Credit & Debt Lawyers

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Ted Machi
About | Practice Areas
Machi & Associates, P.C.
1521 North Cooper Street Suite 550 Arlington, TX 76011» view map
Accident & Injury, Bankruptcy, Social Secuirty
We Fight So You Don't Have To

Our professional team of attorneys and staff provide the experience and expertise needed to effectively handle your case.

800-804-0771
1. Ted Machi Arlington, TX
  Attorney at Law- TX
  Marquette University Law School, JD 1976
2. AboutMachi & Associates, P.C.
  We Fight So You Don't Have To
3. Practice AreasExpertise
  Accident & Injury Law
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Lane Eyer Rugeley

Litigation, Oil & Gas, Family Law, Credit & Debt

Status: In Good Standing Licensed: 37 Years

CONTACT

16 N Caddo St, Cleburne, TX 76031

Chohn T. Hickman

Construction, Litigation, Credit & Debt, Consumer Bankruptcy

Status: In Good Standing Licensed: 27 Years

CONTACT

Burleson, TX 76028

Ryan Lee Huffman

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

Status: In Good Standing

CONTACT

204 S Buffalo St, Cleburne, TX 76033

Tesa LaShawn Jackson

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

Status: In Good Standing Licensed: 22 Years

CONTACT

624 N Main St, Cleburne, TX 76033

Tesa Lashawn Jackson

Family Law, Criminal, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 22 Years

CONTACT

624 North Main Street, Cleburne, TX 76033

Jon P. Hammond

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

Status: In Good Standing Licensed: 53 Years

CONTACT

5 East Henderson St, Cleburne, TX 76031

F. Steven Mcclure

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

Status: In Good Standing Licensed: 40 Years

CONTACT

204 S Buffalo Ave, Cleburne, TX 76033

Daren Richard Van Slyke

Oil & Gas, Family Law, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 16 Years

CONTACT

108 E Chambers Dr, Cleburne, TX 76031

800-923-0641

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LEGAL TERMS

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.

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

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).

BANKRUPTCY

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are ... (more...)

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are two types of bankruptcies -- liquidation, in which your debts are wiped out (discharged) and reorganization, in which you provide the court with a plan for how you intend to repay your debts. For both consumers and business, liquidation bankruptcy is called Chapter 7. For consumers, reorganization bankruptcy is called Chapter 13. Reorganization bankruptcy for consumers with an extraordinary amount of debt and for businesses is called Chapter 11. Reorganization bankruptcy for family farmers is called Chapter 12.

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.

REAFFIRMATION

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing deb... (more...)

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing debt after the bankruptcy case is over. For instance, a debtor might make a reaffirmation agreement with the holder of a car note that the debtor can keep the car and must continue to pay the debt after bankruptcy.

FDCPA

See Fair Debt Collections & Practices Act.

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.

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.

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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Johnson County, TX Credit & Debt Lawyers

Sponsored Law Firm

Machi & Associates, P.C.

SPONSORED LAWYERS

Lane Eyer Rugeley

Chohn T. Hickman

Ryan Lee Huffman

Tesa LaShawn Jackson

Tesa Lashawn Jackson

Jon P. Hammond

F. Steven Mcclure

Daren Richard Van Slyke

TIPS

LEGAL TERMS

GARNISHMENT

COSIGNER

CREDIT REPORT

BANKRUPTCY

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

REAFFIRMATION

FDCPA

DISPOSABLE INCOME

CREDIT BUREAU

SAMPLE LEGAL CASES

Eaves v. Unifund CCR Partners

Dulong v. Citibank (South Dakota), NA

Martinez v. Midland Credit Management, Inc.

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