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Roland V. Combs III
About | Practice Areas
Roland V. Combs III & Associates PLC
4401 NW 4th St Suite 121 Oklahoma City, OK 73107» view map
Bankruptcy & Debt
Over 35 Years Of Experience

The Law Firm of Roland V. Combs III & Associates PLC knows how to ward off relentless debt collectors and get you back on track to a stable financial future.

800-827-4970
1. Roland Combs Oklahoma City, OK
  Attorney at Law - OK, 1985
  University of Oklahoma J.D. 1984
2. AboutRoland V. Combs III & Associates PLC
  Hundreds Counseled & Represented.
3. Practice AreasExpertise
  Bankruptcy & Debt
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Mike Voorhees

Banking & Finance, Corporate, Business Organization, Collection

Status: In Good Standing

CONTACT

Bank of Oklahoma Building, 7701 South Western Avenue, Oklahoma City, OK 73139

Joshua Clark Greenhaw, Associate

Collection, Commercial Bankruptcy, Commercial Banks, Commercial Leasing

Status: In Good Standing

CONTACT

1900 Northwest Expressway, Oklahoma City, OK 73118

Kim A. Tran

Bankruptcy Litigation, Collection, Contract, Credit & Debt

Status: In Good Standing

CONTACT

9400 North Broadway, Oklahoma City, OK 73114

Matthew S. Mogan

Credit & Debt, Business, Collection

Status: In Good Standing

CONTACT

3000 S. Berry Road, Norman, OK 73072

Bryan K. Walkley

Mediation, Collection, Construction, Personal Injury

Status: In Good Standing

CONTACT

7701 S Western Ave, Oklahoma City, OK 73139

Scott Kenneth Suchy

Products Liability, Family Law, Collection, Household Mold

Status: In Good Standing

CONTACT

Bethany, OK 73008

Timothy B. Hummel

Motor Vehicle, Mass Torts, Commercial Banks, Collection, Personal Injury

Status: In Good Standing

CONTACT

Oklahoma City, OK 73101

Michael J. Rose

Business Organization, Collection, Banking & Finance, Corporate

Status: In Good Standing

CONTACT

4101 Perimeter Center Drive, Oklahoma City, OK 73112

Keith Mcilhaney

Banking & Finance, Foreclosure, Collection, Litigation

Status: In Good Standing

CONTACT

204 North Robinson, Oklahoma City, OK 73102

Jason Mccart

Credit & Debt, Litigation, Indians & Native Populations, Collection

Status: In Good Standing

CONTACT

120 North Robinson, Oklahoma City, OK 73102

800-923-0641

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LEGAL TERMS

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).

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

FCRA

See Fair Credit Reporting Act.

HOUSEHOLDER

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a ho... (more...)

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a homestead exemption and possibly other exemptions relating to the maintenance of the household.

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.

CREDIT BUREAU

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit... (more...)

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit card companies that use the information to screen applicants for loans and credit cards. There are three major credit bureaus, Equifax, Experian and Trans Union, and they are regulated by the federal Fair Credit Reporting Act.

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

ADMINISTRATIVE EXPENSES

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Admi... (more...)

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Administrative costs are typically 10% of the debtor's total payments under the plan.

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Verden Collection Lawyer, Oklahoma

Sponsored Law Firm

Roland V. Combs III & Associates PLC

SPONSORED LAWYERS

Mike Voorhees

Joshua Clark Greenhaw, Associate

Kim A. Tran

Matthew S. Mogan

Bryan K. Walkley

Scott Kenneth Suchy

Timothy B. Hummel

Michael J. Rose

Keith Mcilhaney

Jason Mccart

TIPS

LEGAL TERMS

IRS EXPENSES

CREDIT REPORT

REDEMPTION

FCRA

HOUSEHOLDER

CREDIT INSURANCE

CREDIT BUREAU

MEETING OF CREDITORS

ADMINISTRATIVE EXPENSES

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