Manchaug Bankruptcy & Debt Lawyer, Massachusetts

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Joseph Botelho
About | Practice Areas
Botelho Law Group
901 Eastern Ave Suite 2 Fall River, MA 02723» view map
Bankruptcy & Debt Law
Fall River Lawyers

At the Botelho Law Group we have several attorneys, with different specializations; to help your case’s individual needs.

800-229-5331
1. Joseph Botelho Fall River, MA
  Attorney at Law- MA, 2000
  University of Massachusetts School of Law, J.D. 2000
2. AboutBotelho Law Group
  Fall River Lawyers
3. Practice AreasExpertise
  Bankruptcy & Debt Law
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Marina R. Matuzek

✓ VERIFIED

Bankruptcy & Debt, Divorce & Family Law, Criminal

Marina R. Matuzek is a practicing lawyer in the state of MA handling Bankruptcy and Family Law cases.

CONTACT

508-752-2962

4 Austin Street, Worcester, MA 01609

Mark W. Bartolomei

✓ VERIFIED

Divorce & Family Law, Real Estate, Criminal, Bankruptcy & Debt, Mediation

As the founder of the Law Offices of Mark W. Bartolomei, Mr. Bartolomei is a highly skilled and dedicated attorney focused on providing outstanding le... (more)

FREE CONSULTATION

CONTACT

800-931-6101

51 Union Street, Worcester, MA 01608

Matthew S. Rousseau

Bankruptcy, Credit & Debt, Estate Planning, Real Estate

Status: In Good Standing

FREE CONSULTATION

CONTACT

255 Park Avenue, Worcester, MA 01609

Robert Carl Whitcomb

Animal Bite, Criminal, Bed Bug, Consumer Bankruptcy

Status: In Good Standing

FREE CONSULTATION

CONTACT

11 Foster Street, Worcester, MA 01608

James J Kaeding

Social Security -- Disability, Bankruptcy, Credit & Debt, White Collar Crime

Status: In Good Standing

CONTACT

12 Crane Street, Southbridge, MA 01550

Jack LaPre

Adoption, Alimony & Spousal Support, Bankruptcy, Bankruptcy Litigation

Status: In Good Standing

CONTACT

77 Turnpike Road, Southborough, MA 01772

Linda R Taffet

Bankruptcy, Divorce, Personal Injury, Real Estate

Status: In Good Standing

FREE CONSULTATION

CONTACT

150 Cochituate Road, Framingham, MA 01701

Jacqueline D. Cameron Chappell

Mediation, Civil Rights, Bad Faith Insurance, Bankruptcy

Status: In Good Standing

CONTACT

31 Hastings Street, Mendon, MA 01756

Wendy M. Mead

Bankruptcy & Debt

Status: In Good Standing Licensed: 27 Years

CONTACT

11 Pleasant Street, Worcester, MA 01609

Russell S. Chernin

Real Estate, Litigation, Immigration, Collection

Status: In Good Standing Licensed: 43 Years

CONTACT

390 Main Street, Worcester, MA 01608

800-923-0641

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LEGAL TERMS

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

FRATERNAL BENEFIT SOCIETY BENEFITS

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal socie... (more...)

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal societies that provide benefits. Also called benefit society, benevolent society or mutual aid association benefits. Under bankruptcy laws, these benefits are virtually always considered exempt property.

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.

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.

UNSECURED DEBT

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only reme... (more...)

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only remedy is to sue you and get a judgment. Compare secured debt.

CHAPTER 13 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.

LIQUIDATING PARTNER

The member of an insolvent or dissolving partnership responsible for paying the debts and settling the accounts of the partnership.

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 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.

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Manchaug Bankruptcy & Debt Lawyer, Massachusetts

Sponsored Law Firm

Botelho Law Group

SPONSORED LAWYERS

Marina R. Matuzek

Mark W. Bartolomei

Matthew S. Rousseau

Robert Carl Whitcomb

James J Kaeding

Jack LaPre

Linda R Taffet

Jacqueline D. Cameron Chappell

Wendy M. Mead

Russell S. Chernin

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LEGAL TERMS

COLLECTION AGENCY

FRATERNAL BENEFIT SOCIETY BENEFITS

CREDIT INSURANCE

NONDISCHARGEABLE DEBTS

UNSECURED DEBT

CHAPTER 13 BANKRUPTCY

LIQUIDATING PARTNER

BANKRUPTCY

FAIR CREDIT REPORTING ACT (FCRA)

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