Redwood Valley Collection Lawyer, California, page 3

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Gregory Fitzgerald
About | Practice Areas
Fitzgerald & Campbell, APLC
400 N. Tustin Avenue Suite 401 Santa Ana, CA 92705» view map
Bankruptcy & Debt
Lawyers Who Solve Serious Problems

We are a motivated, respected, and experienced law firm that provides affordable services that get results.

800-732-9061
1. Gregory Fitzgerald Santa Ana, CA
  Attorney at Law - CA, 1991
  Southern California College J.D. 19991
2. AboutFitzgerald & Campbell, APLC
  Over 25 years of experience.
3. Practice AreasExpertise
  Bankruptcy & Debt
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Barry Vogel

Election & Political, Natural Resources, Elder Law, Contract

Status: In Good Standing Licensed: 50 Years

CONTACT

700 W Smith St, Calpella, CA 95482

Betsy Jane Loushin

General Practice

Status: Suspended Licensed: 35 Years

CONTACT

8555 Cave Creek Road, Redwood Valley, CA 95470

Brian Scott Momsen

Real Estate, Real Estate, Litigation, Environmental Law

Status: In Good Standing Licensed: 33 Years

CONTACT

305 N Main St, Ukiah, CA 95482

Brian Charles Carter

Estate Planning, Environmental Law, Commercial Real Estate, Business, Trusts

Status: In Good Standing Licensed: 36 Years

CONTACT

305 N Main St, Ukiah, CA 95482

Brina Anna Latkin

Employee Rights

Status: In Good Standing Licensed: 16 Years

CONTACT

501 Low Gap Rd, Calpella, CA 95482

Brooke Ann Brigham

Lawsuit & Dispute, Misdemeanor, Civil Rights, Personal Injury

Status: In Good Standing

CONTACT

169 Mason St, Ukiah, CA 95482

Burgess Williams

General Practice

Status: Inactive Licensed: 56 Years

CONTACT

591 Watson Rd, Calpella, CA 95482

Carly Brooke Dolan

General Practice

Status: In Good Standing Licensed: 23 Years

CONTACT

175 S School St, Ukiah, CA 95482

Chandra Noureal Caffery

Employee Rights

Status: In Good Standing

CONTACT

100 N State St, Calpella, CA 95482

Charlotte Elizabeth Scott

Estate Planning, Natural Resources, Elder Law, Trusts, Estate

Status: In Good Standing Licensed: 21 Years

CONTACT

501 Low Gap Road, Calpella, CA 95482

800-923-0641

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LEGAL TERMS

REAFFIRMATION

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing deb... (more...)

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing debt after the bankruptcy case is over. For instance, a debtor might make a reaffirmation agreement with the holder of a car note that the debtor can keep the car and must continue to pay the debt after bankruptcy.

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.'

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.

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.

PRESUMED ABUSE

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means te... (more...)

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means test, the court will presume that the debtor has sufficient income to fund a Chapter 13 plan. In this situation, the debtor will not be allowed to proceed with a Chapter 7 bankruptcy unless the debtor can prove that he or she is not abusing the Chapter 7 bankruptcy remedy.

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

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.

FRATERNAL BENEFIT SOCIETY BENEFITS

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal socie... (more...)

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal societies that provide benefits. Also called benefit society, benevolent society or mutual aid association benefits. Under bankruptcy laws, these benefits are virtually always considered exempt property.

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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Redwood Valley Collection Lawyer, California, page 3

Sponsored Law Firm

Fitzgerald & Campbell, APLC

SPONSORED LAWYERS

Barry Vogel

Betsy Jane Loushin

Brian Scott Momsen

Brian Charles Carter

Brina Anna Latkin

Brooke Ann Brigham

Burgess Williams

Carly Brooke Dolan

Chandra Noureal Caffery

Charlotte Elizabeth Scott

TIPS

LEGAL TERMS

REAFFIRMATION

LOSS DAMAGE WAIVER (LDW)

BANKRUPTCY TRUSTEE

FAIR CREDIT REPORTING ACT (FCRA)

PRESUMED ABUSE

LIEN

CREDIT INSURANCE

FRATERNAL BENEFIT SOCIETY BENEFITS

CREDIT COUNSELING

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