Washington County, OH Credit & Debt Lawyers, page 3

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Troy Doucet
About | Practice Areas
Doucet & Associates CO., L.P.A.
700 Stonehenge Parkway Suite 2B Dublin, OH 43017Â» view map
Credit & Debt Law
Don't Give Up!

We want to help you without bankruptcy. We are one of the most recognized foreclosure defense law firms in Ohio without bankruptcy.

800-821-8920
1. Troy Doucet Dublin, OH
  Attorney at Law- OH, 2011
  Capital University Law School, J.D. 2011
2. AboutDoucet & Associates CO., L.P.A.
  Donâ€™t Give Up!
3. Practice AreasExpertise
  Credit & Debt Law
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Timothy Allen Williams

General Practice

Status: In Good Standing Licensed: 41 Years

CONTACT

205 Putnam Street, Marietta, OH 45750

Daniel Albert Fouss

Real Estate, Family Law, Corporate, Bankruptcy

Status: In Good Standing Licensed: 44 Years

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311 Fourth St, Marietta, OH 45750

Paul Gregory Westbrock

Health Care Other, Employee Rights, Antitrust, Collection

Status: In Good Standing Licensed: 31 Years

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401 Matthew St, Marietta, OH 45750

Timothy Charles Loughry

Federal Appellate Practice, Estate Planning, Estate, Administrative Law

Status: In Good Standing Licensed: 20 Years

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322 3Rd St, Marietta, OH 45750

Jonathan Curtis Dehmlow

Estate, Elder Law, Corporate, Business Organization, Business

Status: In Good Standing Licensed: 33 Years

CONTACT

309 2Nd St, Marietta, OH 45750

Matthew Craig Evans

Corporate, Banking & Finance, Business, Estate Planning

Status: In Good Standing Licensed: 24 Years

CONTACT

138 Putnam St, Marietta, OH 45750

Curtis Blaine Nichols

Estate Planning, Elder Law, Collection, Bankruptcy

Status: In Good Standing Licensed: 45 Years

CONTACT

126 Arrow Dr, Marietta, OH 45750

Susan Alexandra Montera

International Tax, Estate Planning, Workers' Compensation, Elder Law

Status: In Good Standing Licensed: 32 Years

CONTACT

304 Warren Street, Marietta, OH 45750

Eric Lee Fowler

Juvenile Law, Real Estate, Federal Appellate Practice, Family Law

Status: In Good Standing Licensed: 19 Years

CONTACT

813 4Th St, Marietta, OH 45750

Michael Ryan Kirkham

Real Estate, Corporate, Banking & Finance, Commercial Bankruptcy

Status: In Good Standing Licensed: 19 Years

CONTACT

138 Putnam St, Marietta, OH 45750

800-923-0641

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LEGAL TERMS

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.

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.

LOSS DAMAGE WAIVER (LDW)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it ofte... (more...)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it often duplicates coverage provided by the renter's regular car insurance and/or the credit card she uses to rent the car. Nevertheless, hard-sell practices by rental car agents often dupe people into buying LDWs they don't really need. LDW is also called 'collision damage waiver.'

WORKOUT

A debtor's plan to take care of a debt, by paying it off or through loan forgiveness. Workouts are often created to avoid bankruptcy or foreclosure proceedings.

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.

DISCHARGEABLE DEBTS

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bill... (more...)

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bills and medical bills. Compare nondischargeable debts.

DEFINED CONTRIBUTION PLAN

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount ... (more...)

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount every month, or every year, for each employee. The employer usually pays a fixed percentage of an employee's wages or salary, although sometimes the amount is a fraction of the company's profits, with the size of each employee's pension share depending on the amount of wage or salary. Upon retirement, each employee's pension is determined by how much was contributed to the fund on behalf of that employee over the years, plus whatever earnings that money has accumulated as part of the investments of the entire pension fund.

TOXIC TORT

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and su... (more...)

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and suffering.

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.

SAMPLE LEGAL CASES

Ford v. Ford Motor Credit Co.

... The result was that the account was returned to collections. Subsequently, Ford received letters from collections agencies and repeated phone 85 calls from those agencies, and the "bad debt" was placed on his credit report by FMCC. ...

Ham v. Ham

... Neither party filed objections to the magistrate's decision. On December 15, 2006, the magistrate sua sponte filed a Nunc Pro Tunc magistrate's decision to correct a mathematical error in the calculation of Daniel's credit card debt. ...

Home Depot USA, Inc. v. Levin

... Under the statute, the latter qualify for the bad-debt deduction. {Â¶ 19} This argument fails because vendors who extend credit themselves are not, with respect to bad debt, similarly situated to vendors like Home Depot, who hire financial institutions to extend credit. ...

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Washington County, OH Credit & Debt Lawyers, page 3

Sponsored Law Firm

Doucet & Associates CO., L.P.A.

SPONSORED LAWYERS

Timothy Allen Williams

Daniel Albert Fouss

Paul Gregory Westbrock

Timothy Charles Loughry

Jonathan Curtis Dehmlow

Matthew Craig Evans

Curtis Blaine Nichols

Susan Alexandra Montera

Eric Lee Fowler

Michael Ryan Kirkham

TIPS

LEGAL TERMS

TRUTH IN LENDING ACT (TILA)

FAIR CREDIT REPORTING ACT (FCRA)

LOSS DAMAGE WAIVER (LDW)

WORKOUT

CREDIT BUREAU

DISCHARGEABLE DEBTS

DEFINED CONTRIBUTION PLAN

TOXIC TORT

GRACE PERIOD

SAMPLE LEGAL CASES

Ford v. Ford Motor Credit Co.

Ham v. Ham

Home Depot USA, Inc. v. Levin

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