Pleasant Grove Credit & Debt Lawyer, Alabama


John Watts

Labor Law, Corporate, Credit & Debt, Bankruptcy
Status:  In Good Standing           

Joy Beth Barganier Smith

Bankruptcy, Commercial Bankruptcy, Consumer Bankruptcy, Credit & Debt
Status:  In Good Standing           

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John Leland Murphree

Litigation, Wills & Probate, Reorganization, Credit & Debt
Status:  In Good Standing           Licensed:  19 Years

Stephen Edward Brown

Litigation, Employee Rights, Credit & Debt, Bankruptcy
Status:  In Good Standing           

Damon Patrick Denney

Commercial Real Estate, Real Estate, Credit & Debt, Bankruptcy & Debt
Status:  In Good Standing           

Mindi Cherese Robinson

Commercial Real Estate, Litigation, Wills & Probate, Credit & Debt
Status:  In Good Standing           Licensed:  28 Years

Mindi C. Robinson

Commercial Real Estate, Litigation, Wills & Probate, Credit & Debt
Status:  In Good Standing           Licensed:  28 Years

Mindi Robinson

Commercial Real Estate, Litigation, Wills & Probate, Credit & Debt
Status:  In Good Standing           Licensed:  28 Years

Charles Walton Prueter

Litigation, State Appellate Practice, Criminal, Credit & Debt
Status:  In Good Standing           Licensed:  12 Years

Michael Edward Parrish

Commercial Real Estate, Motor Vehicle, Credit & Debt, Bankruptcy, Collection
Status:  In Good Standing           Licensed:  29 Years

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Free Help: Use This Form or Call 800-943-8690

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LEGAL TERMS

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)
A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

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.

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.

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)
A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

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.

FAIR LABOR STANDARDS ACT (FLSA)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements ... (more...)
A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements for overtime and places restrictions on child labor.

DISCHARGE (OF DEBTS)

A bankruptcy court's erasure of the debts of a person or business that has filed for bankruptcy.

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.

TRADE DRESS

The distinctive packaging or design of a product that promotes the product and distinguishes it from other products in the marketplace -- for example, the shape... (more...)
The distinctive packaging or design of a product that promotes the product and distinguishes it from other products in the marketplace -- for example, the shape of Frangelico liqueur bottles. Trade dress can be protected under trademark law if a showing can be made that the average consumer would likely be confused as to product origin if another product were allowed to appear in similar dress.

SAMPLE LEGAL CASES

Woods v. SunTrust Bank

... In November 2005, SunTrust withdrew $1,899 from the Gilchrists' checking account to offset part of the delinquent equity-line-of-credit debt. ... In the spring of 2005, SunTrust began collection efforts on the delinquent equity-line-of-credit debt. ...

FEDERAL CREDIT, INC. v. Fuller

... "Greg Fuller alleges that a letter being sent to him via his employer seeking repayment of a debt defamed him. Although indebtedness may be defamatory, the fact that he owed Federal Credit... was absolutely true. Truth is an absolute defense to defamation. ...

Hunt v. FEDERATED FINANCIAL CORPORATION OF AMERICA

... Procedural History. On June 28, 2009, FFCA, which had allegedly been assigned a credit-card debt owed by Hunt, filed a complaint alleging that Hunt owed $19,796.57 plus accrued interest on that credit-card account and seeking a judgment in that amount against Hunt. ...