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Chalcia Rainford
About | Practice Areas
Rainford Law Firm P.C.
4920 N Henry Blvd. Stockbridge, GA 30281» view map
Bankruptcy & Debt Law
Experienced Bankruptcy & Debt Lawyer

Regardless of your situation, Attorney Chalcia Rainford is more than happy to guide you in the direction that will be most beneficial for you!

800-632-9140
1. Chalcia Rainford Stockbridge, GA
  Attorney at Law - GA, 1994
  John Marshall Law School J.D.
2. AboutRainford Law Firm P.C.
  Over 20 years of experience.
3. Practice AreasExpertise
  Bankruptcy & Debt Law
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Karen King

✓ VERIFIED

Bankruptcy & Debt, Bankruptcy, Collection, Credit & Debt, Reorganization

We have helped thousands of clients avoid home foreclosure, car repossession and reduce their other debts. Our experienced team fully understands the... (more)

FREE CONSULTATION

CONTACT

800-892-3680

215 Pryor Street, Atlanta, GA 30303

David Scott Cartee

Litigation, Corporate, Credit & Debt, Bankruptcy & Debt

Status: In Good Standing Licensed: 28 Years

CONTACT

1030 Delta Boulevard, Atlanta, GA 30320

Douglas Adam Nail

Health Care, Life & Health, Credit & Debt, Bankruptcy & Debt

Status: In Good Standing

CONTACT

303 Peachtree Street Ne, Atlanta, GA 30308

Douglas Leon Brooks

Real Estate, Litigation, Credit & Debt, Bankruptcy & Debt

Status: In Good Standing Licensed: 33 Years

CONTACT

Atlanta, GA 31106

William R. Jenkins

Credit & Debt, Bankruptcy & Debt

Status: In Good Standing Licensed: 44 Years

CONTACT

3427 Main Street, Atlanta, GA 30337

W. Russell Patterson

Federal Trial Practice, Business & Trade, Credit & Debt, Bankruptcy

Status: In Good Standing Licensed: 39 Years

CONTACT

229 Peachtree Street Ne, Atlanta, GA 30303

Laura E. Woodson

Credit & Debt, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

127 Peachtree Street, N.E., Atlanta, GA 30303

Carolyn Peterson Richter

Credit & Debt, Bankruptcy

Status: In Good Standing Licensed: 37 Years

CONTACT

303 Peachtree Street, Atlanta, GA 30308

Henry F. Sewell

Credit & Debt, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 38 Years

CONTACT

2964 Peachtree Road Nw, Atlanta, GA 30305

Bonnie Jean Binkley

Federal Trial Practice, Environmental Law, Credit & Debt, Animal Bite

Status: In Good Standing Licensed: 14 Years

CONTACT

350 Peters Street, Atlanta, GA 30313

800-923-0641

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LEGAL TERMS

DISCHARGE (OF DEBTS)

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

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.

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

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.

HOUSEHOLDER

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a ho... (more...)

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a homestead exemption and possibly other exemptions relating to the maintenance of the household.

DEBIT CARD

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can ... (more...)

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can also be used at stores to pay for goods and services in place of a check. Unlike a credit card, a debit card automatically withdraws money from your checking account at the time of the transaction. Debit cards are regulated by the Electronic Funds Transfer Act.

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.

CCCS

See Consumer Credit Counseling Service.

BANKRUPTCY TRUSTEE

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is t... (more...)

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is to gather the debtor's nonexempt property, liquidate it and distribute it proportionally to her creditors. In a Chapter 13 case, the trustee's role is to receive the debtor's monthly payments and distribute them proportionally to her creditors.

SAMPLE LEGAL CASES

Moon v. CSA-Credit Solutions of America

... with CSA-Credit Solutions of America, Inc. (CSA), a Texas corporation, which provided for CSA to assist the Moons in negotiating or adjusting debts they owed to their creditors for less than the amount owed. The Moons sued CSA in Georgia claiming that the debt adjustment ...

Associated Credit Union v. Pinto

... Following the closing, the closing agent tendered payment to Associated Credit Union, the Williamses' lender, in accordance with the payoff statement for the ... that at the time Pinto filed his complaint, he no longer owned the property at issue, and the deed to secure debt at issue ...

Holland v. Holland

... Under these circumstances, it is clear that the line of credit constituted a "debt on the Lake House" within the plain language of the post-nuptial agreement. ... The record also clearly shows that the third line of credit was simply a continuation of that same debt. ...

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Red Oak Credit & Debt Lawyer, Georgia

Sponsored Law Firm

Rainford Law Firm P.C.

SPONSORED LAWYERS

Karen King

David Scott Cartee

Douglas Adam Nail

Douglas Leon Brooks

William R. Jenkins

W. Russell Patterson

Laura E. Woodson

Carolyn Peterson Richter

Henry F. Sewell

Bonnie Jean Binkley

TIPS

LEGAL TERMS

DISCHARGE (OF DEBTS)

CHAPTER 13 BANKRUPTCY

IRS EXPENSES

SECURED DEBT

HOUSEHOLDER

DEBIT CARD

MEETING OF CREDITORS

CCCS

BANKRUPTCY TRUSTEE

SAMPLE LEGAL CASES

Moon v. CSA-Credit Solutions of America

Associated Credit Union v. Pinto

Holland v. Holland

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