Somerset Credit & Debt Lawyer, Texas, page 4

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Benjamin Sanchez
About | Practice Areas
Sanchez Law Firm
150 W. Parker Rd. 3rd Floor Houston, TX 77076» view map
Real Estate
Excellence In Action

We advocate for our clients in and out of court. When you and the system meet head on, you need an attorney who is experienced, credible, and active.

800-785-3351
1. Benjamin Sanchez Houston, TX
  Attorney at Law - TX, 1998
  University of Houston J.D. 1997
2. AboutSanchez Law Firm
  Excellence In Action
3. Practice AreasExpertise
  Real Estate
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Michael G. Panzarella

Credit & Debt, Elder Law, Construction, Business & Trade

Status: In Good Standing Licensed: 40 Years

CONTACT

San Antonio, TX 78270

Amanda Kay Armstrong

Commercial Real Estate, Litigation, Business & Trade, Credit & Debt

Status: In Good Standing Licensed: 17 Years

CONTACT

310 S Saint Marys St, San Antonio, TX 78205

Andrea Carol Polunsky

Family Law, Elder Law, Administrative Law, Credit & Debt

Status: In Good Standing

CONTACT

111 Soledad St, San Antonio, TX 78205

Edward P. Piker

International Other, Family Law, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 44 Years

CONTACT

111 Soledad St, San Antonio, TX 78205

John K. Boyce

Estate, Clean Air Practice, Securities, Business & Trade, Credit & Debt

Status: In Good Standing Licensed: 46 Years

CONTACT

745 E. Mulberry Ave., San Antonio, TX 78212

Steven B. Treu

Construction, Litigation, Credit & Debt, Bankruptcy & Debt

Status: In Good Standing Licensed: 35 Years

CONTACT

745 E Mulberry Ave, San Antonio, TX 78212

James Arthur Hoffman

Criminal, Credit & Debt, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 42 Years

CONTACT

745 E Mulberry Ave, San Antonio, TX 78212

Derick James Rodgers

Litigation, State Appellate Practice, Credit & Debt, Bankruptcy

Status: In Good Standing

CONTACT

755 E Mulberry Ave, San Antonio, TX 78212

Marci K. Liggett

Litigation, Lawsuit & Dispute, Credit & Debt, Consumer Bankruptcy

Status: In Good Standing Licensed: 13 Years

CONTACT

425 Soledad Street, San Antonio, TX 78205

Anna Ula Shaw

International Other, Immigration, Business & Trade, Credit & Debt

Status: In Good Standing Licensed: 21 Years

CONTACT

630 Broadway St, San Antonio, TX 78215

800-923-0641

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LEGAL TERMS

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

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).

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.

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.

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.

401(K) PLAN

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income ... (more...)

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income taxes on the amount invested and any earnings are due until the employee withdraws money from the fund.

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.

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.

SAMPLE LEGAL CASES

Eaves v. Unifund CCR Partners

... Tommy L. Eaves appeals the jury's verdict against him in Unifund CCR Partners ("Unifund Partners") suit to collect unpaid credit-card debt. We affirm. BACKGROUND. Citibank issued an AT & T credit card to Eaves, and Eaves made purchases with the card. ...

Dulong v. Citibank (South Dakota), NA

... 892 OPINION. Opinion by Justice RICHTER. This case involves a traditional summary judgment in a credit card debt collection matter. Citibank (South Dakota), NA ("Citibank") sued Donna Dulong to recover the balance owed on a credit card (the "Credit Card"). ...

Martinez v. Midland Credit Management, Inc.

... denied), argued that Midland was not entitled to proceed on a sworn account theory to recover a credit card debt. At the hearing on Martinez's Motion for New Trial, Midland argued that its claim was one for breach of contract. ...

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Somerset Credit & Debt Lawyer, Texas, page 4

Sponsored Law Firm

Sanchez Law Firm

SPONSORED LAWYERS

Michael G. Panzarella

Amanda Kay Armstrong

Andrea Carol Polunsky

Edward P. Piker

John K. Boyce

Steven B. Treu

James Arthur Hoffman

Derick James Rodgers

Marci K. Liggett

Anna Ula Shaw

TIPS

LEGAL TERMS

INTEREST

CREDIT REPORT

SECURED DEBT

FAIR CREDIT REPORTING ACT (FCRA)

SOLE PROPRIETORSHIP

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

401(K) PLAN

C CORPORATION

CREDIT COUNSELING

SAMPLE LEGAL CASES

Eaves v. Unifund CCR Partners

Dulong v. Citibank (South Dakota), NA

Martinez v. Midland Credit Management, Inc.

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