Phoenix Credit & Debt Lawyer, Arizona, page 3

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Stanley A. Buzzelle II
About | Practice Areas
Law Office of S.A. Buzzelle II, PLLC
14050 N 83rd Avenue Suite 290 Peoria, AZ 85381» view map
Bankruptcy & Debt Law
Your Trusted Bankruptcy Attorney

If you are in need of legal services for matters relating to bankruptcy and divorce, rely on Law Office of S. A. Buzzelle II, PLLC in Peoria, AZ.

800-873-4991
1. Stanley A. Buzzelle II Peoria, AZ
  Attorney at Law- AZ
  Sandra Day O'Connor College of Law, J.D.
2. AboutLaw Office of S.A. Buzzelle II, PLLC
  Your Trusted Bankruptcy Attorney
3. Practice AreasExpertise
  Bankruptcy & Debt
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2. Email
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Michael J LaVelle

Commercial Real Estate, Federal Trial Practice, Family Law, Credit & Debt

Status: In Good Standing Licensed: 55 Years

CONTACT

2728 North 24Th Street, Phoenix, AZ 85008

Troy Arthur Rule

Credit & Debt, Commercial Real Estate, Bankruptcy, Environmental Law Other

Status: Inactive Licensed: 19 Years

CONTACT

111 E Taylor St, Phoenix, AZ 85004

John A Gulick

Administrative Law, Credit & Debt, Litigation, Elder Law

Status: Inactive Licensed: 43 Years

CONTACT

6201 E Cheney Dr, Paradise Valley, AZ 85253

John A. Gulick

Administrative Law, Credit & Debt, Litigation, Elder Law

Status: Inactive Licensed: 43 Years

CONTACT

6201 E Cheney Dr, Paradise Valley, AZ 85253

Brant Edward Hodyno

Federal Appellate Practice, Credit & Debt, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

3260 N Hayden Rd, Scottsdale, AZ 85251

Sheila E Harmer

Health Care, Corporate, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 42 Years

CONTACT

5021 N 66Th Ave, Glendale, AZ 85301

David J. Adamski

Status: In Good Standing Licensed: 25 Years

CONTACT

14435 N Seventh St, Phoenix, AZ 85022

M Preston Gardner

Civil Rights, Credit & Debt, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 12 Years

CONTACT

40 E Rio Salado Pkwy, Tempe, AZ 85281

Mathew E Shannon

Credit & Debt, Collection, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 66 Years

CONTACT

4423 N 24th St, Phoenix, AZ 85016

Joseph L Whipple

Collection, Bankruptcy, Credit & Debt, Lending

Status: In Good Standing Licensed: 24 Years

CONTACT

2412 E Campbell Ave, Phoenix, AZ 85016

800-923-0641

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LEGAL TERMS

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.

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.

NONEXEMPT PROPERTY

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typicall... (more...)

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typically includes valuable clothing (furs) and electronic equipment, an expensive car that's been paid off and most of the equity in your house. Compare exempt property.

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.

401(K) PLAN

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income ... (more...)

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income taxes on the amount invested and any earnings are due until the employee withdraws money from the fund.

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

FORBEARANCE

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily ... (more...)

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily postponing or reducing the borrower's payments.

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.

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.

SAMPLE LEGAL CASES

SCOTTSDALE COMMERCIAL DEVELOPMENTS, INC. v. EULER HERMES AMERICAN CREDIT INDEMNITY COMPANY

... See, eg, ARS Â§ 20-252(8). SCD, which sold interactive electronic "whiteboards" for educational use, purchased a credit insurance policy (the "Policy") from ... Since it is clear, the debtor is disputing the debt and any potential loss payment due you would be held in abeyance until a ...

IN RE BRENDAN G.

... The juvenile court found that the credit charges were reasonably and necessarily incurred to obtain treatment for JP [7] Moreover, this is not a case where it is difficult to determine what portion of the credit debt is attributable to Victim's dental expenses. ...

IN RE MARRIAGE OF McGUCKIN v. McGuckin

... of their children with Wife as the primary residential parent; ordered Husband to pay $418.25 a month in child support; [1] ordered Husband to pay spousal maintenance of one dollar a month for two years; [2] ordered Husband to assume the community credit card debt of $5,709 ...

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Phoenix Credit & Debt Lawyer, Arizona, page 3

Sponsored Law Firm

Law Office of S.A. Buzzelle II, PLLC

SPONSORED LAWYERS

Michael J LaVelle

Troy Arthur Rule

John A Gulick

John A. Gulick

Brant Edward Hodyno

Sheila E Harmer

David J. Adamski

M Preston Gardner

Mathew E Shannon

Joseph L Whipple

TIPS

LEGAL TERMS

CREDIT INSURANCE

FAIR CREDIT REPORTING ACT (FCRA)

NONEXEMPT PROPERTY

PRIORITY DEBT

401(K) PLAN

COSIGNER

FORBEARANCE

SOLE PROPRIETORSHIP

INTEREST

SAMPLE LEGAL CASES

SCOTTSDALE COMMERCIAL DEVELOPMENTS, INC. v. EULER HERMES AMERICAN CREDIT INDEMNITY COMPANY

IN RE BRENDAN G.

IN RE MARRIAGE OF McGUCKIN v. McGuckin

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