Sherwood Credit & Debt Lawyer, Tennessee

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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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Barbara Sims Arthur

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Bankruptcy & Debt, Credit & Debt, Collection

Barbara Sims Arthur, a native of Chattanooga, Tennessee, has practiced law in Chattanooga and Rossville since 1977. Barbara Sims Arthur is licensed in... (more)

FREE CONSULTATION

CONTACT

423-697-9016

3335 Ringgold Rd, Chattanooga, TN 37412

Shearon S. Weems Hales

Litigation, Credit & Debt, Wills & Probate, Commercial Real Estate

Status: In Good Standing Licensed: 41 Years

CONTACT

Tullahoma, TN 37388

Shearon Hales

Litigation, Credit & Debt, Wills & Probate, Commercial Real Estate

Status: In Good Standing Licensed: 41 Years

CONTACT

Tullahoma, TN 37388

Jim Lane

Bankruptcy, Credit & Debt, Electronic Commerce

Status: In Good Standing Licensed: 40 Years

CONTACT

Tullahoma, TN 37388

Shawn Carter Trail

Litigation, Wills & Probate, Estate Planning, Credit & Debt

Status: In Good Standing Licensed: 17 Years

CONTACT

117 S Spring St, Manchester, TN 37355

Richard Boehms

Criminal, Credit & Debt, Family Law, Federal Appellate Practice

Status: In Good Standing Licensed: 15 Years

CONTACT

Duck River, TN 38454

Judith St. Clair.

Criminal, Credit & Debt, Family Law, Federal Appellate Practice

Status: In Good Standing Licensed: 13 Years

CONTACT

151 Circle Drive, Manchester, TN 37355

Alexander Keith Mcveagh

Litigation, Family Law, Insurance, Credit & Debt

Status: In Good Standing

CONTACT

600 Market Street, Chattanooga, TN 37402

Carmen Yvette Wiley Ware

Labor Law, Insurance, Credit & Debt, Products Liability

Status: In Good Standing Licensed: 21 Years

CONTACT

200 W Martin Luther King Blvd, Chattanooga, TN 37402

Camden Ballard Scearce

Wills & Probate, Corporate, Reorganization, Credit & Debt

Status: In Good Standing Licensed: 28 Years

CONTACT

1413 Chestnut Street, Chattanooga, TN 37402

800-923-0641

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LEGAL TERMS

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

SOLE PROPRIETORSHIP

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, m... (more...)

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, meaning that business profits are reported and taxed on the owner's personal tax return. Setting up a sole proprietorship is cheap and easy since no legal formation documents need be filed with any governmental agency (although tax registration and other permit and license requirements may still apply). Once you file a fictitious name statement (assuming you don't use your own name) and obtain any required basic tax permits and business licenses, you'll be in business. The main downside of a sole proprietorship is that its owner is personally liable for all business debts.

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

PREFERENCE

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commer... (more...)

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commercial creditors) and within one year for insider creditors (friends, family members, and business associates). Because a preference gives the creditor who received the payment an edge over other creditors in the bankruptcy case, the trustee can recover the preference (the amount of the payment) and distribute it among all of the creditors.

FCBA

See Fair Credit Billing Act.

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.

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.

LIABILITY

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pi... (more...)

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pipe bursts the day after Paul installs it, ruining the bathroom floor. This raises the issue of liability: Who is responsible for the damage? Peri claims that Paul is responsible, and sues him for the cost of hiring another plumber to fix the pipe and replacing the floor. Paul, in turn, claims that the pipe manufacturer is responsible, because they supplied him with faulty materials. Both Peri and Paul must prove their claims in court; if Paul and/or the manufacturer is found liable, one or both will have to pay damages to Peri. (2) Something for which a person is liable. For example, a debt is often called a liability.

FCRA

See Fair Credit Reporting Act.

SAMPLE LEGAL CASES

WASHINGTON MUTUAL BANK, FA v. ORNL FEDERAL CREDIT UNION

... The homeowners subsequently refinanced their home with a bank. The bank paid off the homeowners' debt to the credit union, and recorded its own deed of trust securing its loan. At that same time, the loan and deed of trust was assigned to a second bank. ...

PHOENIX CREDIT v. Akers

... Appellant obtained a credit card from Appellee's predecessor in interest, and defaulted on payment of the debt. ... Ms. Akers made payments on the credit card debt, including a payment of $136.00 on February 17, 2005, and a payment of $131.00 on March 18, 2005. ...

Ford Motor Credit Company v. Luna

... Luna asserted that the Marshall County courts lacked jurisdiction over Ford Credit's action because he had previously filed a lawsuit in federal court for violation of the Fair Debt Collection Practices Act, and because Ford Credit's action was filed in retaliation for his federal ...

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Sherwood Credit & Debt Lawyer, Tennessee

Sponsored Law Firm

Fitzgerald & Campbell, APLC

SPONSORED LAWYERS

Barbara Sims Arthur

Shearon S. Weems Hales

Shearon Hales

Jim Lane

Shawn Carter Trail

Richard Boehms

Judith St. Clair.

Alexander Keith Mcveagh

Carmen Yvette Wiley Ware

Camden Ballard Scearce

TIPS

LEGAL TERMS

COLLECTION AGENCY

SOLE PROPRIETORSHIP

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

PREFERENCE

FCBA

FAIR CREDIT REPORTING ACT (FCRA)

FAIR CREDIT BILLING ACT (FCBA)

LIABILITY

FCRA

SAMPLE LEGAL CASES

WASHINGTON MUTUAL BANK, FA v. ORNL FEDERAL CREDIT UNION

PHOENIX CREDIT v. Akers

Ford Motor Credit Company v. Luna

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