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Ralph W. Wilkerson
About | Practice Areas
Ralph W. Wilkerson Attorney at Law
2722 3rd Avenue North Suite 400 Billings, MT 59101» view map
Bankruptcy & Debt
Get Help Starting Over

Allow our knowledgeable attorney to begin bankruptcy proceedings so you can put an end to harassing creditor phone calls.

800-785-0631
1. Ralph Wilkerson Billings, MT
  Attorney at Law - AZ, 1996
  University of Wyoming J.D. 1995
2. AboutRalph W. Wilkerson Attorney at Law
  Helping you in a variety of situations.
3. Practice AreasExpertise
  Bankruptcy & Debt
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Ralph W. Wilkerson

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Bankruptcy & Debt

Filing for bankruptcy is not ideal but it does provide immediate relief and a second chance at building your financial life. If your debt has becom... (more)

FREE CONSULTATION

CONTACT

800-785-0631

2722 3rd Avenue North, Billings, MT 59101

Ben T. Sather

Workout, Dental Malpractice, Domain Names, Medical Malpractice

Status: In Good Standing

FREE CONSULTATION

CONTACT

2825 3rd Avenue North, Billings, MT 59101

Nicole Rae Gallagher

Bankruptcy, Bankruptcy & Debt, Car Accident

Status: In Good Standing Licensed: 18 Years

CONTACT

2722 3Rd Avenue N, Billings, MT 59101

Eric Edward Nord

Franchising, Business Organization, Banking & Finance, Collection

Status: In Good Standing

CONTACT

2708 1St Ave N, Billings, MT 59101

Calvin J. Stacey

Other, Lawsuit & Dispute, Business, Bankruptcy & Debt, Accident & Injury

Status: In Good Standing Licensed: 48 Years

CONTACT

100 N 27Th St, Billings, MT 59103

Amanda Marie Beckers Sowden

Consumer Bankruptcy, Medical Malpractice

Status: In Good Standing Licensed: 13 Years

CONTACT

100 N 27Th St, Billings, MT 59101

Katherine S Huso

Lawsuit & Dispute, Employment, Business, Collection

Status: In Good Standing Licensed: 18 Years

CONTACT

2812 1St Ave N, Billings, MT 59103

Malcolm H. Goodrich

Real Estate, Business, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

2812 1St Ave North, Billings, MT 59103

Christopher Thimsen

Landlord-Tenant, Child Custody, Bankruptcy, Accident & Injury

Status: In Good Standing Licensed: 44 Years

CONTACT

2812 1St Ave N, Billings, MT 59101

A. Randolph Jacobs

Corporate, Collection, Real Estate, Bankruptcy

Status: In Good Standing

CONTACT

208 North Broadway, Billings, MT 59103

800-923-0641

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LEGAL TERMS

AUTOMATIC STAY

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities,... (more...)

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities, such as filing or continuing lawsuits, making written requests for payment, or notifying credit reporting bureaus of an unpaid debt.

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.

FDCPA

See Fair Debt Collections & Practices Act.

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.

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

C CORPORATION

Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S c... (more...)

Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S corporation, whose profits are passed through to shareholders and taxed on their personal returns under subchapter S of the Internal Revenue Code.

CCCS

See Consumer Credit Counseling Service.

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.

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Shepherd Bankruptcy & Debt Lawyer, Montana

Sponsored Law Firm

Ralph W. Wilkerson Attorney at Law

SPONSORED LAWYERS

Ralph W. Wilkerson

Ben T. Sather

Nicole Rae Gallagher

Eric Edward Nord

Calvin J. Stacey

Amanda Marie Beckers Sowden

Katherine S Huso

Malcolm H. Goodrich

Christopher Thimsen

A. Randolph Jacobs

TIPS

LEGAL TERMS

AUTOMATIC STAY

PRESUMED ABUSE

FDCPA

DEBIT CARD

MEANS TEST

CURRENT MONTHLY INCOME

C CORPORATION

CCCS

FAIR CREDIT BILLING ACT (FCBA)

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