Lafayette Bankruptcy Lawyer, California

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Gregory Fitzgerald
About | Practice Areas
Fitzgerald & Campbell, APLC
400 N. Tustin Avenue Suite 401 Santa Ana, CA 92705» view map
Bankruptcy & Debt
Lawyers Who Solve Serious Problems

We are a motivated, respected, and experienced law firm that provides affordable services that get results.

800-732-9061
1. Gregory Fitzgerald Santa Ana, CA
  Attorney at Law - CA, 1991
  Southern California College J.D. 19991
2. AboutFitzgerald & Campbell, APLC
  Over 25 years of experience.
3. Practice AreasExpertise
  Bankruptcy & Debt
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Includes: Bankruptcy Litigation, Commercial Bankruptcy, Consumer Bankruptcy, Dissolution

Michael Fosco

Divorce & Family Law, Child Custody, Bankruptcy, Personal Injury

Status: In Good Standing

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190 N. Wiget Lane, Walnut Creek, CA 94598

Sarah Marie Stuppi

Real Estate, Bankruptcy

Status: In Good Standing Licensed: 42 Years

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1630 N Main St, Walnut Creek, CA 94596

Dominic Gerardo Flamiano

Litigation, Employee Rights, Insurance, Bankruptcy

Status: In Good Standing Licensed: 35 Years

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1450 Maria Ln, Walnut Creek, CA 94596

David Alan Arietta

Wills, Trusts, Estate Planning, Estate, Bankruptcy

Status: In Good Standing Licensed: 31 Years

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700 Ygnacio Valley Rd, Walnut Creek, CA 94596

Dean A. Christopherson

Business & Trade, Banking & Finance, Business, Credit & Debt, Consumer Bankruptcy

Status: In Good Standing

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1211 Newell Ave, Walnut Creek, CA 94596

Vincent Wood

Bankruptcy, Collection, Credit & Debt, Reorganization

FREE CONSULTATION

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1820 Bonanza Street, Walnut Creek, CA 94596

Dana Edward Snider

International, Gift Taxation, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 51 Years

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3200A Danville Blvd, Alamo, CA 94507

David Mark Sternberg

Real Estate, Estate, Business, Bankruptcy

Status: In Good Standing Licensed: 44 Years

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540 Lennon Ln, Walnut Creek, CA 94598

Michael H. Panah

Business, Bankruptcy, Personal Injury, Accident & Injury

Status: In Good Standing Licensed: 10 Years

CONTACT

21 Orinda Way, Orinda, CA 94563

Michael Panah

Business, Bankruptcy, Personal Injury, Accident & Injury

Status: In Good Standing

CONTACT

21 Orinda Way, Orinda, CA 94563

800-923-0641

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LEGAL TERMS

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.

ACCORD AND SATISFACTION

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collectin... (more...)

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collecting as much money as they can from debtors who cannot pay the full amount.

DEBT COLLECTOR

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe... (more...)

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe. Debt collectors can be relentless, often using scare tactics, humiliation and repeated phone calls to extract payments or promises to pay.

CREDIT INSURANCE

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay o... (more...)

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay off the remaining balance. Federal and state consumer protection laws require the lender to disclose to existing and potential borrowers the terms and costs of obtaining credit insurance because it can affect the terms of the loan.

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.

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.

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.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

SAMPLE LEGAL CASES

Jaffe v. Pacelli

... ALDRICH, J. I. INTRODUCTION. In this case, the superior court entered a judgment against a debtor, Zenaida C. Pacelli (Pacelli), that included an award of attorney fees. Years later, Pacelli sought to discharge the debt in bankruptcy court. ... 2. The bankruptcy proceedings. ...

Imperial Merchant Services, Inc. v. Hunt

... section 3287, for a total of $179.41. 385 Hunt filed a voluntary petition for bankruptcy in the United States Bankruptcy Court for the Northern District of California (the bankruptcy action). Shortly thereafter, Hunt filed a putative ...

Aceves v. US BANK NA

... deed of trust on her residence. About two years into the loan, she could not afford the monthly payments and filed for bankruptcy under chapter 7 of the Bankruptcy Code (11 USC Â§Â§ 701-784). She intended to convert the chapter ...

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Lafayette Bankruptcy Lawyer, California

Sponsored Law Firm

Fitzgerald & Campbell, APLC

SPONSORED LAWYERS

Michael Fosco

Sarah Marie Stuppi

Dominic Gerardo Flamiano

David Alan Arietta

Dean A. Christopherson

Vincent Wood

Dana Edward Snider

David Mark Sternberg

Michael H. Panah

Michael Panah

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LEGAL TERMS

TRUTH IN LENDING ACT (TILA)

ACCORD AND SATISFACTION

DEBT COLLECTOR

CREDIT INSURANCE

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

REPOSSESSION

REAFFIRMATION

INTEREST

MEETING OF CREDITORS

SAMPLE LEGAL CASES

Jaffe v. Pacelli

Imperial Merchant Services, Inc. v. Hunt

Aceves v. US BANK NA

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