Palmdale Collection Lawyer, Florida

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Raymond Brian Mitchell Lawyer

Raymond Brian Mitchell

VERIFIED
Civil Rights, Bankruptcy, Personal Injury, Family Law, Federal Appellate Practice
Protecting Your Children, Family, Income, Assets, Life, Liberty, Property, and Pursuit of Happiness!

Protecting Your Life, Liberty, Property, Family, Income, Assets, and Pursuit of Happiness! Eliminate Debts & Get a Fresh Start! See Your Children! Pro... (more)

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239-542-2002

Diane Muenze Gonzalez Lawyer

Diane Muenze Gonzalez

VERIFIED
Criminal, Immigration, Bankruptcy & Debt, Divorce & Family Law, Accident & Injury

With over 25 years of experience, attorney Diane Gonzalez has provided numerous clients effective and reliable legal counsel on a wide range of legal ... (more)

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239-948-8655

Robert C. Hill

Criminal, Banking & Finance, Bankruptcy, Animal Bite
Status:  In Good Standing           

Pamela Karlson

Real Estate, Wills & Probate, Trusts, Bankruptcy
Status:  In Good Standing           Licensed:  30 Years

Colin V Lloyd

Bankruptcy, Personal Injury, Social Security
Status:  In Good Standing           Licensed:  26 Years

Jeffrey Paul Jordan

Employee Rights, Social Security, Immigration, Bankruptcy & Debt
Status:  In Good Standing           

Frank Anthony Ribel

Estate, Employment, Divorce & Family Law, Criminal, Bankruptcy
Status:  In Good Standing           Licensed:  58 Years

Gary Randal Gossett

Accident & Injury, Estate, Bankruptcy & Debt, Real Estate, Criminal
Status:  In Good Standing           Licensed:  35 Years

William D Kramer

Wills, Family Law, Bankruptcy
Status:  Retired           Licensed:  44 Years

Randall L Scott

Commercial Bankruptcy, Commercial Real Estate
Status:  In Good Standing           Licensed:  44 Years

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LEGAL TERMS

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.

FCRA

See Fair Credit Reporting Act.

SUBROGATION

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off i... (more...)
A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off its injured claimant takes the legal rights the claimant has against a third party that caused the injury, and sues that third party.

SECRET WARRANTY PROGRAM

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid... (more...)
A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid a recall and the accompanying bad press. Secret warranties are rarely advertised by the manufacturer, so consumers must pursue the manufacturer to discover and take advantage of them. A few states require manufacturers to notify car buyers when they adopt secret warranty programs.

NUISANCE FEES

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fe... (more...)
Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fees, inactivity fees and fees for not carrying a balance from month to month. It's best to shop around and get rid of cards that have these fees attached.

TRADE NAME

The official name of a business, the one it uses on its letterhead and bank account when not dealing with consumers.

DOING BUSINESS AS (DBA)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or ... (more...)
A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or similar document with the appropriate agency -- for example, the county clerk. This enables consumers to discover the names of the business owners, which is important if a consumer needs to sue the business.

DEBIT CARD

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can ... (more...)
A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can also be used at stores to pay for goods and services in place of a check. Unlike a credit card, a debit card automatically withdraws money from your checking account at the time of the transaction. Debit cards are regulated by the Electronic Funds Transfer Act.

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.