Acton Reorganization Lawyer, Montana

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Ralph W. Wilkerson
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Ralph W. Wilkerson Attorney at Law
2722 3rd Avenue North Suite 400 Billings, MT 59101» view map
Bankruptcy & Debt
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800-785-0631
1. Ralph Wilkerson Billings, MT
  Attorney at Law - AZ, 1996
  University of Wyoming J.D. 1995
2. AboutRalph W. Wilkerson Attorney at Law
  Helping you in a variety of situations.
3. Practice AreasExpertise
  Bankruptcy & Debt
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Ralph W. Wilkerson

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Bankruptcy & Debt

Filing for bankruptcy is not ideal but it does provide immediate relief and a second chance at building your financial life. If your debt has becom... (more)

FREE CONSULTATION

CONTACT

800-785-0631

2722 3rd Avenue North, Billings, MT 59101

James F. Rigby

Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 45 Years

CONTACT

5440 Gene Sarazen Dr, Billings, MT 59106

Martin S. Smith

Bankruptcy, Lawsuit & Dispute, Real Estate, Criminal, Business

Status: In Good Standing

CONTACT

208 N. Broadway, Billings, MT 59103

James A. Patten

Litigation, Medicare & Medicaid, Civil Rights, Bankruptcy & Debt

Status: In Good Standing

CONTACT

2817 2Nd Ave N., Billings, MT 59101

Joel E. Guthals

Corporate, Employee Rights, Reorganization, Banking & Finance

Status: In Good Standing

CONTACT

175 North 27Th Street, Billings, MT 59103

A. Randolph Jacobs

Corporate, Collection, Real Estate, Bankruptcy

Status: In Good Standing

CONTACT

208 North Broadway, Billings, MT 59103

Jeffery A Hunnes

Litigation, Corporate, Contract, Bankruptcy

Status: In Good Standing

CONTACT

175 North 27Th Street, Billings, MT 59103

Cory Thomas Harman

Credit & Debt, Traffic, Federal, Criminal

Status: In Good Standing Licensed: 18 Years

CONTACT

2722 3Rd Ave N, Billings, MT 59101

Craig D. Martinson

Federal Appellate Practice, Wills & Probate, Credit & Debt, Household Mold

Status: In Good Standing Licensed: 49 Years

CONTACT

2817 2nd Ave N, Billings, MT 59101

Bryan P. Wilson

Credit & Debt, Whistleblower

Status: In Good Standing

CONTACT

490 North 31st Street, Billings, MT 59101

800-923-0641

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LEGAL TERMS

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.

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.

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.

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.

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.

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

GENERAL PARTNER

A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the... (more...)

A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the business's debts and obligations. A general partner's actions can legally bind the entire business. See also partnership, limited partnership.

NUISANCE FEES

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fe... (more...)

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fees, inactivity fees and fees for not carrying a balance from month to month. It's best to shop around and get rid of cards that have these fees attached.

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

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Acton Reorganization Lawyer, Montana

Sponsored Law Firm

Ralph W. Wilkerson Attorney at Law

SPONSORED LAWYERS

Ralph W. Wilkerson

James F. Rigby

Martin S. Smith

James A. Patten

Joel E. Guthals

A. Randolph Jacobs

Jeffery A Hunnes

Cory Thomas Harman

Craig D. Martinson

Bryan P. Wilson

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LEGAL TERMS

LIABILITY

COLLECTION AGENCY

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

CREDIT INSURANCE

COSIGNER

SETOFF

GENERAL PARTNER

NUISANCE FEES

LIEN

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