Siskiyou County, CA Bankruptcy & Debt Lawyers, page 2

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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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Not enough matches for Siskiyou Bankruptcy & Debt lawyer.
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Charles David Slote

Criminal

Status: In Good Standing Licensed: 55 Years

CONTACT

Hornbrook, CA 96044

Chris Michael Stromsness

General Practice

Status: Retired Licensed: 57 Years

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4220 Patricia Way, Dunsmuir, CA 96025

Clifton Edward Schoedl

Traffic, Family Law, Criminal, Personal Injury

Status: In Good Standing Licensed: 41 Years

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1120 Neptune Way, Mount Shasta, CA 96067

Dana Lee Barton

Other, Real Estate, Government, Business

Status: In Good Standing Licensed: 20 Years

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1025 Escobar St, Yreka, CA 96097

Darrin William Mercier

Real Estate, Lawsuit & Dispute, Estate

Status: In Good Standing Licensed: 31 Years

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205 Lane St, Yreka, CA 96097

David Illingwort Clough

Trusts, Child Custody, Accident & Injury

Status: In Good Standing Licensed: 49 Years

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15020 Shoreline Dr, Weed, CA 96094

Deane Ellerd Sellon

General Practice

Status: In Good Standing Licensed: 46 Years

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351 E Oberlin Rd, Yreka, CA 96097

Dennis M. Tanabe

General Practice

Status: In Good Standing Licensed: 40 Years

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800 Ferry St, Yreka, CA 96097

Eric Bergstrom

Traffic, Wills & Probate, Criminal, Civil Rights, Bankruptcy

Status: In Good Standing Licensed: 54 Years

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303 South St, Yreka, CA 96097

Frank James Demarco

International Arbitration, Public Law, Environmental Law, Civil & Human Rights

Status: In Good Standing Licensed: 57 Years

CONTACT

192 Humbug Rd, Yreka, CA 96097

800-923-0641

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LEGAL TERMS

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.

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.

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

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.

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily fu... (more...)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily funded by voluntary donations from the creditors that receive payments from debtors repaying their debts through that office. Despite this criticism, most CCCS counselors provide clients with thorough and neutral advice.

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.

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

GUARANTEED RESERVATION

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehic... (more...)

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehicle for you no matter when you show up. If you have a guaranteed reservation with a hotel, it must provide you with a room, either at that hotel or at another comparable establishment. If you have a guaranteed reservation with a car agency, it must provide you with a vehicle. The downside of a guaranteed reservation is that if you don't show up and haven't cancelled your reservation, you will be billed for one night in the room or one day's use of the vehicle.

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Siskiyou County, CA Bankruptcy & Debt Lawyers, page 2

Sponsored Law Firm

Fitzgerald & Campbell, APLC

SPONSORED LAWYERS

Charles David Slote

Chris Michael Stromsness

Clifton Edward Schoedl

Dana Lee Barton

Darrin William Mercier

David Illingwort Clough

Deane Ellerd Sellon

Dennis M. Tanabe

Eric Bergstrom

Frank James Demarco

TIPS

LEGAL TERMS

PRESUMED ABUSE

IRS EXPENSES

CREDIT REPORT

COSIGNER

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

SOLE PROPRIETORSHIP

GRACE PERIOD

TRUTH IN LENDING ACT (TILA)

GUARANTEED RESERVATION

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