Montgomery Credit & Debt Lawyer, Texas

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Benjamin Sanchez
About | Practice Areas
Sanchez Law Firm
150 W. Parker Rd. 3rd Floor Houston, TX 77076» view map
Real Estate
Excellence In Action

We advocate for our clients in and out of court. When you and the system meet head on, you need an attorney who is experienced, credible, and active.

800-785-3351
1. Benjamin Sanchez Houston, TX
  Attorney at Law - TX, 1998
  University of Houston J.D. 1997
2. AboutSanchez Law Firm
  Excellence In Action
3. Practice AreasExpertise
  Real Estate
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Jameson Joseph Watts

Litigation, Elder Law, Credit & Debt, Bankruptcy

Status: In Good Standing

FREE CONSULTATION

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26418 Oak Ridge Drive, Spring, TX 77380

David A. Mcdonnell

Commercial Real Estate, Litigation, Corporate, Credit & Debt

Status: In Good Standing Licensed: 41 Years

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1 Lake Estates Ct, Montgomery, TX 77356

Maureen Louise Ball

Juvenile Law, Wills, Family Law, Credit & Debt

Status: In Good Standing Licensed: 38 Years

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15899 Highway 105 W, Montgomery, TX 77356

Gary Kent Stovall

Construction, Litigation, Business & Trade, Credit & Debt

Status: In Good Standing Licensed: 50 Years

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6021 Longmire Trail, Conroe, TX 77304

Charles Bernard Meyer

International Other, Science, Technology & Internet, Business & Trade, Credit & Debt

Status: In Good Standing Licensed: 35 Years

CONTACT

2001 Timberloch Pl, Magnolia, TX 77380

Preston C. Goodwin

Commercial Real Estate, Construction, Litigation, Credit & Debt

Status: In Good Standing Licensed: 50 Years

CONTACT

Magnolia, TX 77387

Robert Doherty Bond

Wills, Estate, Elder Law, Credit & Debt

Status: In Good Standing Licensed: 32 Years

CONTACT

25211 Grogans Mill Rd, Magnolia, TX 77380

Donald Lee Henderson

International Other, Oil & Gas, Employee Rights, Credit & Debt

Status: In Good Standing Licensed: 14 Years

CONTACT

9400 Grogans Mill Rd, Magnolia, TX 77380

Christopher Travis Owens

Construction, Environmental Law Other, Family Law, Credit & Debt

Status: In Good Standing Licensed: 16 Years

CONTACT

Magnolia, TX 77387

Joshua M. Harrison

Construction, Litigation, Business & Trade, Credit & Debt

Status: In Good Standing

CONTACT

Magnolia, TX 77387

800-923-0641

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LEGAL TERMS

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.

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.

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.

PRIORITY DEBT

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13... (more...)

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13 bankruptcy. Priority debts include alimony and child support, fees owed to the trustee and the attorney in the bankruptcy case, and wages owed to employees.

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.

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.

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.

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.

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

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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Montgomery Credit & Debt Lawyer, Texas

Sponsored Law Firm

Sanchez Law Firm

SPONSORED LAWYERS

Jameson Joseph Watts

David A. Mcdonnell

Maureen Louise Ball

Gary Kent Stovall

Charles Bernard Meyer

Preston C. Goodwin

Robert Doherty Bond

Donald Lee Henderson

Christopher Travis Owens

Joshua M. Harrison

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LEGAL TERMS

DISPOSABLE INCOME

FAIR CREDIT REPORTING ACT (FCRA)

UNSECURED DEBT

PRIORITY DEBT

BANKRUPTCY

FRATERNAL BENEFIT SOCIETY BENEFITS

CHAPTER 13 BANKRUPTCY

REAFFIRMATION

MEANS TEST

SAMPLE LEGAL CASES

Eaves v. Unifund CCR Partners

Dulong v. Citibank (South Dakota), NA

Martinez v. Midland Credit Management, Inc.

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