Perquimans County, NC Collection Lawyers

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George Oliver
About | Practice Areas
Oliver & Cheek, PLLC
405 Middle Street New Bern, NC 28560» view map
Bankruptcy & Debt Law
Your Business Partner

Oliver & Cheek, PLLC is a full service business firm providing a wide range of legal services to clients in North Carolina.

252-633-1930
1. George Oliver New Bern, NC
  Attorney at Law- NJ, 1999
  University of North Carolina School of Law, J.D. 1999
2. AboutOliver & Cheek, PLLC
  Your Business Partner
3. Practice AreasExpertise
  Bankruptcy & Debt Law
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Rachel S. Gunther

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Estate, Business, Divorce & Family Law

FREE CONSULTATION

CONTACT

252-426-2006

147 N. Church Street, Hertford, NC 27944

Andrew F. Toxey

General Practice

Status: Deceased Licensed: 67 Years

CONTACT

318 N Front St, Hertford, NC 27944

Charles E. Johnson

General Practice

Status: Inactive Licensed: 40 Years

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Hertford, NC 27944

Frank Thomas Katz

Trusts, State Government, Criminal

Status: In Good Standing Licensed: 30 Years

CONTACT

293 Yeates Ln, Hertford, NC 27944

J. Carlton Cole

Merger & Acquisition, Corporate

Status: In Good Standing Licensed: 37 Years

CONTACT

Hertford, NC 27944

Janice R. Mckenzie

Traffic, Immigration, Family Law, Criminal

Status: In Good Standing Licensed: 45 Years

CONTACT

1072 Harvey Point Rd, Hertford, NC 27944

Janice Mckenzie Cole

Traffic, Child Support, Divorce & Family Law, Criminal

Status: In Good Standing Licensed: 41 Years

CONTACT

Hertford, NC 27944

Janice Mckenzie Cole

Lawsuit & Dispute, Divorce & Family Law, Criminal, Accident & Injury

Status: In Good Standing Licensed: 41 Years

CONTACT

Hertford, NC 27944

Jeffrey Moreland

Motor Vehicle, Estate, Divorce & Family Law, Criminal

Status: In Good Standing

CONTACT

109 North Church St, Hertford, NC 27944

Jeffrey W Winslow

Criminal, Traffic

Status: In Good Standing

CONTACT

144 N Church St, Hertford, NC 27944

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LEGAL TERMS

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).

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.

SOLE PROPRIETORSHIP

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, m... (more...)

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, meaning that business profits are reported and taxed on the owner's personal tax return. Setting up a sole proprietorship is cheap and easy since no legal formation documents need be filed with any governmental agency (although tax registration and other permit and license requirements may still apply). Once you file a fictitious name statement (assuming you don't use your own name) and obtain any required basic tax permits and business licenses, you'll be in business. The main downside of a sole proprietorship is that its owner is personally liable for all business debts.

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.

FDCPA

See Fair Debt Collections & Practices Act.

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.

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

UNDUE HARDSHIP

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in t... (more...)

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in the future to pay off the loan may be able to show that repayment would be an undue hardship.

CREDIT COUNSELING

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Unde... (more...)

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Under the new bankruptcy law, a debtor must undergo credit counseling with an approved provider before filing for bankruptcy.

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Perquimans County, NC Collection Lawyers

Sponsored Law Firm

Oliver & Cheek, PLLC

SPONSORED LAWYERS

Rachel S. Gunther

Andrew F. Toxey

Charles E. Johnson

Frank Thomas Katz

J. Carlton Cole

Janice R. Mckenzie

Janice Mckenzie Cole

Janice Mckenzie Cole

Jeffrey Moreland

Jeffrey W Winslow

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LEGAL TERMS

CREDIT REPORT

DISPOSABLE INCOME

SOLE PROPRIETORSHIP

REPOSSESSION

FDCPA

TRUTH IN LENDING ACT (TILA)

FAIR CREDIT BILLING ACT (FCBA)

UNDUE HARDSHIP

CREDIT COUNSELING

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