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Karen  King Lawyer

Karen King

VERIFIED
Bankruptcy & Debt, Bankruptcy, Collection, Credit & Debt, Reorganization

We have helped thousands of clients avoid home foreclosure, car repossession and reduce their other debts. Our experienced team fully understands the... (more)

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800-892-3680

Matt  Berry Lawyer

Matt Berry

VERIFIED
Divorce, Bankruptcy, Social Security, Car Accident, Family Law

Representing Georgia residents for over 30 years in Family Law, Bankruptcy and Social Security Disability.

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800-659-5561

Boniface Gawain Echols Lawyer

Boniface Gawain Echols

VERIFIED
Bankruptcy, Bankruptcy & Debt

Boniface Echols is a practicing lawyer in the state of Georgia.

Ralph S. Goldberg Lawyer

Ralph S. Goldberg

VERIFIED
Search & Seizure Protections, Police Misconduct, Lawsuit, Bankruptcy, Civil Rights

Ralph Goldberg has practiced law since 1975. He is a member of all courts in Georgia, and the Eleventh Circuit Court of Appeals, and Supreme Court of ... (more)

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Laurene Cristine Cuvillier Lawyer

Laurene Cristine Cuvillier

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Civil Rights, Wills & Probate, Special Education, Accident & Injury, Bankruptcy

Laurene Cuvillier is an attorney who is a partner in the Decatur, Georgia, law firm of Goldberg & Cuvillier, P. C. The firm’s practice includes rep... (more)

Chuck Michael Douglas Lawyer

Chuck Michael Douglas

VERIFIED
Credit & Debt, Lawsuit & Dispute, Bankruptcy & Debt, Consumer Rights, Business
Don't file Bankruptcy!

Chuck Douglas is a practicing lawyer in the state of Georgia. He received his J.D. from Georgia State University. He currently works for his privately... (more)

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800-978-8941

John Joseph McManus Lawyer

John Joseph McManus

VERIFIED
Bankruptcy, Criminal, Divorce & Family Law, Estate, Lawsuit & Dispute
We Provide the Highest Quality Services to Our Clients

My law firm is currently focused on debtor and creditor bankruptcy, business and personal, as well as handling real estate matters, including closings... (more)

Stephen Francis Suarino Lawyer

Stephen Francis Suarino

VERIFIED
Accident & Injury, Bankruptcy & Debt, Divorce & Family Law, Criminal

Stephen Suarino is an Immigration, Real Estate, Accident & Injury, Estate, and General Practice lawyer in Norcross, Georgia.

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470-989-4012

Evan M. Altman Lawyer

Evan M. Altman

VERIFIED
Personal Injury, Medical Malpractice, Bankruptcy, Business, Estate
Georgia

Mr. Altman concentrates his practice in the areas of bankruptcy, corporate law, personal injury, medical malpractice, product liability and general li... (more)

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800-974-1130

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LEGAL TERMS

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.

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.

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.

DEBIT CARD

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can ... (more...)
A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can also be used at stores to pay for goods and services in place of a check. Unlike a credit card, a debit card automatically withdraws money from your checking account at the time of the transaction. Debit cards are regulated by the Electronic Funds Transfer Act.

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.

CREDIT FILE

See credit report.

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.'

BANKRUPTCY

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are ... (more...)
A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are two types of bankruptcies -- liquidation, in which your debts are wiped out (discharged) and reorganization, in which you provide the court with a plan for how you intend to repay your debts. For both consumers and business, liquidation bankruptcy is called Chapter 7. For consumers, reorganization bankruptcy is called Chapter 13. Reorganization bankruptcy for consumers with an extraordinary amount of debt and for businesses is called Chapter 11. Reorganization bankruptcy for family farmers is called Chapter 12.

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)
A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.