Palmdale Credit & Debt Lawyer, Florida

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Atty. Raymond Mitchell
Chapter 7 | Chapter 13
The Law Firm of Raymond Mitchell
3717 Del Prado Blvd. South Cape Coral, Florida 33904 » view map
Lee County Bankruptcy Lawyer
We Help You Survive Financial Attacks

We strive to protect your freedom and rights and provide high quality legal services to you in a professional, respectful, realistic and honest manner.

800-256-5820
1. Raymond B. Mitchell Cape Coral
  Attorney At Law - FL, 1994
  Regent University School of Law - 1993
2. Chapter 7Liquidation
  A Chapter 7 liquidation proceeding is available to individuals, partnerships, and corporations.
3. Chapter 13Reorganization
  A Chapter 13 bankruptcy, or "wage earner reorganization" is available only to individuals with regular income.
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Paul Anthony Giordano

Litigation, Federal Trial Practice, Business, Credit & Debt

Status: In Good Standing Licensed: 25 Years

CONTACT

2320 First St, Fort Myers, FL 33901

Michael Brian Cheffer

Litigation, Construction, Collection, Credit & Debt, Employment

Status: In Good Standing Licensed: 35 Years

CONTACT

2120 Mcgregor Blvd, Fort Myers, FL 33901

Brian David Zinn

International Tax, Civil Rights, Contract, Credit & Debt

Status: In Good Standing

CONTACT

6 Mile Cypress Pkwy, Fort Myers, FL 33966

Shannon M Puopolo

Litigation, Contract, Credit & Debt, Bankruptcy

Status: In Good Standing

CONTACT

Fort Myers, FL 33902

Michelle Tina Trunkett

Bankruptcy, Commercial Real Estate, Motor Vehicle, Credit & Debt

Status: In Good Standing Licensed: 23 Years

CONTACT

3210 Cleveland Ave, Fort Myers, FL 33901

Robert C. Rogers

Litigation, Banking & Finance, Credit & Debt, Bankruptcy

Status: In Good Standing Licensed: 26 Years

CONTACT

60 Gramercy Park N, Fort Myers, FL 33902

David W Fineman

Litigation, Civil Rights, Credit & Debt, Personal Injury

Status: In Good Standing

CONTACT

1436 Royal Palm Square Blvd, Fort Myers, FL 33919

Gregory William Goetz

Commercial Real Estate, Trusts, Civil Rights, Credit & Debt

Status: In Good Standing Licensed: 17 Years

CONTACT

33 Barkley Cir, Fort Myers, FL 33907

Mary V. Palumbo

Litigation, International Other, Administrative Law, Credit & Debt

Status: In Good Standing Licensed: 41 Years

CONTACT

6150 Diamond Centre Ct, Fort Myers, FL 33912

Robert David Young

Litigation, Civil Rights, Contract, Credit & Debt

Status: In Good Standing Licensed: 38 Years

CONTACT

2826 Se 22Nd Pl, Cape Coral, FL 33904

800-923-0641

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LEGAL TERMS

FCRA

See Fair Credit Reporting Act.

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

ADMINISTRATIVE EXPENSES

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Admi... (more...)

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Administrative costs are typically 10% of the debtor's total payments under the plan.

FDCPA

See Fair Debt Collections & Practices Act.

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.

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.

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.

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.

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

SAMPLE LEGAL CASES

Rogers v. Rogers

... In addition to these few assets, the parties accumulated various debts during the marriage. Besides the loan on the Mountaineer, the parties had credit card debt totaling approximately $5000. The parties also owed $23,707.21 on the Wife's student loan. ...

Cunningham v. MBNA AMERICA BANK, NA

... 5th DCA 2004). Such a reading of the counterclaim demonstrates that Mr. Cunningham's claims for violations of the FDCPA and the FCCPA, and for abuse of process, attack MBNA's alleged misuse of the arbitration process to secure payment of a credit card debt. ...

Morgan v. Wilkins

... any person who offers or extends credit creating a debt or to whom a debt is owed, but does not include any person to the extent they receive an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. (Emphasis added). ...

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Palmdale Credit & Debt Lawyer, Florida

Sponsored Law Firm

The Law Firm of Raymond Mitchell

SPONSORED LAWYERS

Paul Anthony Giordano

Michael Brian Cheffer

Brian David Zinn

Shannon M Puopolo

Michelle Tina Trunkett

Robert C. Rogers

David W Fineman

Gregory William Goetz

Mary V. Palumbo

Robert David Young

TIPS

LEGAL TERMS

FCRA

GRACE PERIOD

ADMINISTRATIVE EXPENSES

FDCPA

SECURED DEBT

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

CHAPTER 13 BANKRUPTCY

CREDIT INSURANCE

CREDIT REPORT

SAMPLE LEGAL CASES

Rogers v. Rogers

Cunningham v. MBNA AMERICA BANK, NA

Morgan v. Wilkins

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