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Pulaski County, IL Bankruptcy & Debt Lawyers

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James Allen Flummer

DUI-DWI, Traffic, Transactions, Federal Appellate Practice
Status:  In Good Standing           Licensed:  50 Years
CONTACT
Mounds, IL 62964
Profile LAWPOINTS™27/100
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Louis J. Derose

Environmental Law
Status:  In Good Standing           Licensed:  32 Years
CONTACT
2500 Portland Rd, Grand Chain, IL 62941
Profile LAWPOINTS™24/100
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Louis Derose

Environmental Law
Status:  In Good Standing           Licensed:  32 Years
CONTACT
2500 Portland Rd, Grand Chain, IL 62941
Profile LAWPOINTS™24/100
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James Allen Flummer

General Practice
Status:  In Good Standing           Licensed:  50 Years
CONTACT
Mounds, IL 62964
Profile LAWPOINTS™17/100
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Gloria Elizabeth Thurston

General Practice
Status:  In Good Standing           Licensed:  46 Years
CONTACT
275 E. Commercial, Pulaski, IL 62976
Profile LAWPOINTS™17/100
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Gloria Thurston

General Practice
Status:  In Good Standing           Licensed:  46 Years
CONTACT
275 E. Commercial, Pulaski, IL 62976
Profile LAWPOINTS™17/100
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James Flummer

Criminal, Federal Appellate Practice, Transactions, Traffic
Status:  In Good Standing           Licensed:  50 Years
CONTACT
Mounds, IL 62964
Profile LAWPOINTS™17/100
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Grayson E. Gile

General Practice
Status:  In Good Standing           Licensed:  26 Years
CONTACT
500 Illinois Avenue, Mound City, IL 62963
Profile LAWPOINTS™12/100
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Grayson Gile

General Practice
Status:  In Good Standing           Licensed:  27 Years
CONTACT
Pulaski County State's Attorney's Offi 500 Illinois Avenue, Mound City, IL 62963
Profile LAWPOINTS™12/100
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LEGAL TERMS

CHAPTER 7 BANKRUPTCY

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 b... (more...)
The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 bankruptcy takes from three to six months, costs about $200, and commonly requires only one trip to the courthouse.

FCBA

See Fair Credit Billing Act.

ABUSE

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because ... (more...)
Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because the debtor appears to have enough disposable income to fund a Chapter 13 repayment plan.

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.

LOSS DAMAGE WAIVER (LDW)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it ofte... (more...)
Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it often duplicates coverage provided by the renter's regular car insurance and/or the credit card she uses to rent the car. Nevertheless, hard-sell practices by rental car agents often dupe people into buying LDWs they don't really need. LDW is also called 'collision damage waiver.'

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.

FCRA

See Fair Credit Reporting Act.

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.

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.

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