Kill Devil Hills Credit & Debt Lawyer, North Carolina

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George Oliver
About | Practice Areas
Oliver & Cheek, PLLC
405 Middle Street New Bern, NC 28560» view map
Bankruptcy & Debt Law
Your Business Partner

Oliver & Cheek, PLLC is a full service business firm providing a wide range of legal services to clients in North Carolina.

252-633-1930
1. George Oliver New Bern, NC
  Attorney at Law- NJ, 1999
  University of North Carolina School of Law, J.D. 1999
2. AboutOliver & Cheek, PLLC
  Your Business Partner
3. Practice AreasExpertise
  Bankruptcy & Debt Law
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Branch W. Vincent

Workers' Compensation, Wrongful Death, Social Security, Car Accident

Status: In Good Standing Licensed: 38 Years

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8 Juniper Trail, Kitty Hawk, NC 27949

Ronald G. Baker

Personal Injury, Wrongful Death, Car Accident

Status: In Good Standing Licensed: 49 Years

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4417 N. Croatan Highway, Kitty Hawk, NC 27949

Ronald George Baker

Estate, Accident & Injury

Status: In Good Standing Licensed: 48 Years

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4417 N. Croatan Hwy, Kitty Hawk, NC 27949

Laura Forehand Meads

Divorce & Family Law, Estate, Bankruptcy & Debt, Motor Vehicle, DUI-DWI

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106A Ascension Drive, Kitty Hawk, NC 27949

Roy Archbell

Construction, Corporate, Collection, Accident & Injury

Status: Inactive Licensed: 50 Years

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Angelea C. Norcross

Divorce & Family Law, Criminal, Corporate, Accident & Injury, Family Law

Status: In Good Standing Licensed: 35 Years

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2400 N. Croatan Hwy, Kill Devil Hills, NC 27948

Benita A. Lloyd

Lawsuit & Dispute, Divorce & Family Law, Civil & Human Rights, Business

Status: In Good Standing Licensed: 37 Years

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3120 N Croatan Hwy, Kill Devil Hills, NC 27948

Betsy Butler

Real Estate

Status: In Good Standing Licensed: 38 Years

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4112 N. Croatan Highway, Kitty Hawk, NC 27949

Bradford J. Lingg

Wills & Probate

Status: In Good Standing Licensed: 39 Years

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Kill Devil Hills, NC 27948

Branch W. Vincent

Social Security, Employment Discrimination, Personal Injury, Malpractice, Wrongful Death

Status: In Good Standing

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8 Juniper Trail, Kitty Hawk, NC 27949

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.

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemp... (more...)

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemptible because it has been damaged or destroyed.

TRADE DRESS

The distinctive packaging or design of a product that promotes the product and distinguishes it from other products in the marketplace -- for example, the shape... (more...)

The distinctive packaging or design of a product that promotes the product and distinguishes it from other products in the marketplace -- for example, the shape of Frangelico liqueur bottles. Trade dress can be protected under trademark law if a showing can be made that the average consumer would likely be confused as to product origin if another product were allowed to appear in similar dress.

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.

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

FRAUDULENT TRANSFER

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee --... (more...)

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee -- for instance, when a debtor signs a car over to a relative to keep it out of the bankruptcy estate. Fraudulently transferred property can be recovered and sold by the trustee for the benefit of the creditors.

PREFERENCE

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commer... (more...)

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commercial creditors) and within one year for insider creditors (friends, family members, and business associates). Because a preference gives the creditor who received the payment an edge over other creditors in the bankruptcy case, the trustee can recover the preference (the amount of the payment) and distribute it among all of the creditors.

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

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.

SAMPLE LEGAL CASES

Stovall v. Stovall

... III. Credit for Debt. ... Both plaintiff and defendant assign error to the trial court's findings and conclusions which gave defendant a "credit" for debt payments of $160,000.00 toward the New Madison debts after the date of separation. ...

Commercial Credit Group, Inc. v. Barber

... Acting on behalf of Creditor, Commercial Credit Group's Senior Vice President, Mr. Mattocks, offered an opening bid of $100,000. ... After the auction, Creditor deducted the $100,000 net sale proceeds from Debtor's outstanding debt and found that Debtor's total outstanding ...

Citibank (South Dakota), NA v. Bowen

... WS Bowen, defendant-appellant, pro se. HUNTER, Judge. Citibank, South Dakota, NA ("plaintiff") filed an action in the District Court of Harnett County on 13 March 2007 to recover an outstanding credit card debt from WS Bowen ("defendant") in the amount of $18,716.17. ...

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Kill Devil Hills Credit & Debt Lawyer, North Carolina

Sponsored Law Firm

Oliver & Cheek, PLLC

SPONSORED LAWYERS

Branch W. Vincent

Ronald G. Baker

Ronald George Baker

Laura Forehand Meads

Roy Archbell

Angelea C. Norcross

Benita A. Lloyd

Betsy Butler

Bradford J. Lingg

Branch W. Vincent

TIPS

LEGAL TERMS

SECURED DEBT

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

TRADE DRESS

NO-FAULT INSURANCE

SETOFF

FRAUDULENT TRANSFER

PREFERENCE

CURRENT MONTHLY INCOME

TRUTH IN LENDING ACT (TILA)

SAMPLE LEGAL CASES

Stovall v. Stovall

Commercial Credit Group, Inc. v. Barber

Citibank (South Dakota), NA v. Bowen

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