Acton Reorganization Lawyer, Montana

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Ralph W. Wilkerson
About | Practice Areas
Ralph W. Wilkerson Attorney at Law
2722 3rd Avenue North Suite 400 Billings, MT 59101» view map
Bankruptcy & Debt
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Allow our knowledgeable attorney to begin bankruptcy proceedings so you can put an end to harassing creditor phone calls.

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)

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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

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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

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175 North 27Th Street, Billings, MT 59103

A. Randolph Jacobs

Corporate, Collection, Real Estate, Bankruptcy

Status: In Good Standing

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208 North Broadway, Billings, MT 59103

Jeffery A Hunnes

Litigation, Corporate, Contract, Bankruptcy

Status: In Good Standing

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175 North 27Th Street, Billings, MT 59103

Cory Thomas Harman

Credit & Debt, Traffic, Federal, Criminal

Status: In Good Standing Licensed: 18 Years

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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

FCRA

See Fair Credit Reporting Act.

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 FILE

See credit report.

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

NONEXEMPT PROPERTY

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typicall... (more...)

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typically includes valuable clothing (furs) and electronic equipment, an expensive car that's been paid off and most of the equity in your house. Compare exempt property.

SUBROGATION

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off i... (more...)

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off its injured claimant takes the legal rights the claimant has against a third party that caused the injury, and sues that third party.

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.

CHAPTER 7 BANKRUPTCY

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 b... (more...)

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 bankruptcy takes from three to six months, costs about $200, and commonly requires only one trip to the courthouse.

FRAUDULENT TRANSFER

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee --... (more...)

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee -- for instance, when a debtor signs a car over to a relative to keep it out of the bankruptcy estate. Fraudulently transferred property can be recovered and sold by the trustee for the benefit of the creditors.

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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

FCRA

WORKOUT

CREDIT FILE

CURRENT MONTHLY INCOME

NONEXEMPT PROPERTY

SUBROGATION

DISCHARGEABLE DEBTS

CHAPTER 7 BANKRUPTCY

FRAUDULENT TRANSFER

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