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Benjamin Sanchez
About | Practice Areas
Sanchez Law Firm
150 W. Parker Rd. 3rd Floor Houston, TX 77076» view map
Real Estate
Excellence In Action

We advocate for our clients in and out of court. When you and the system meet head on, you need an attorney who is experienced, credible, and active.

800-785-3351
1. Benjamin Sanchez Houston, TX
  Attorney at Law - TX, 1998
  University of Houston J.D. 1997
2. AboutSanchez Law Firm
  Excellence In Action
3. Practice AreasExpertise
  Real Estate
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William T. Peckham

✓ VERIFIED

Bankruptcy & Debt, Foreclosure, Lawsuit & Dispute, Estate, Credit & Debt

CONTACT

800-767-4721

1104 Nueces Street, Austin, TX 78701

Peter Christopher Ruggero

Litigation, Credit & Debt, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 20 Years

CONTACT

1411 West Ave, Austin, TX 78701

Mark Allen Cohen

Employee Rights, Elder Law, Banking & Finance, Credit & Debt

Status: In Good Standing Licensed: 51 Years

CONTACT

805 W 10Th St, Austin, TX 78701

John Robert Mcconnell

Construction, Aviation, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 18 Years

CONTACT

114 W 7Th St, Austin, TX 78701

Sandra Faye Kim

Workers' Compensation, Administrative Law, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 20 Years

CONTACT

301 West 2Nd Street, Austin, TX 78767

William B. Gammon

Construction, Litigation, Health Care Other, Credit & Debt, Personal Injury

Status: In Good Standing

CONTACT

901 S Mopac Expy, Austin, TX 78746

Justin William Fishback

Construction, Oil & Gas, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 15 Years

CONTACT

1609 Shoal Creek Blvd, Austin, TX 78701

William Lance Cawthon

Employee Rights, Administrative Law, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 26 Years

CONTACT

1411 West Ave, Austin, TX 78701

Robert Allen Daniel

Commercial Real Estate, State Appellate Practice, Criminal, Credit & Debt

Status: In Good Standing Licensed: 16 Years

CONTACT

1411 West Ave, Austin, TX 78701

Hipolito Gonzalez

Criminal, Insurance, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 18 Years

CONTACT

1411 West Ave, Austin, TX 78701

800-923-0641

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LEGAL TERMS

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

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.

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.

CREDIT COUNSELING

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Unde... (more...)

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Under the new bankruptcy law, a debtor must undergo credit counseling with an approved provider before filing for bankruptcy.

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).

NO-FAULT INSURANCE

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain ... (more...)

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain amount, regardless of who was at fault. The effect of no-fault insurance laws is to eliminate lawsuits in small accidents. The advantage is the prompt payment of medical bills and expenses. The downsides are that the amounts paid by no-fault policies are often not enough to fully cover a person's losses and that no-fault does not compensate for pain and suffering.

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.

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

S CORPORATION

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status fro... (more...)

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status from the Internal Revenue Service. Electing to do business as an S corporation lets shareholders enjoy limited liability status, as would be true of any corporation, but be taxed like a partnership or sole proprietor. That is, instead of being taxed as a separate entity (as would be the case with a regular or C corporation) an S corporation is a pass-through tax entity: income taxes are reported and paid by the shareholders, not the S corporation. To qualify as an S corporation a number of IRS rules must be met, such as a limit of 75 shareholders and citizenship requirements.

SAMPLE LEGAL CASES

Eaves v. Unifund CCR Partners

... Tommy L. Eaves appeals the jury's verdict against him in Unifund CCR Partners ("Unifund Partners") suit to collect unpaid credit-card debt. We affirm. BACKGROUND. Citibank issued an AT & T credit card to Eaves, and Eaves made purchases with the card. ...

Dulong v. Citibank (South Dakota), NA

... 892 OPINION. Opinion by Justice RICHTER. This case involves a traditional summary judgment in a credit card debt collection matter. Citibank (South Dakota), NA ("Citibank") sued Donna Dulong to recover the balance owed on a credit card (the "Credit Card"). ...

Martinez v. Midland Credit Management, Inc.

... denied), argued that Midland was not entitled to proceed on a sworn account theory to recover a credit card debt. At the hearing on Martinez's Motion for New Trial, Midland argued that its claim was one for breach of contract. ...

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Austin Credit & Debt Lawyer, Texas

Sponsored Law Firm

Sanchez Law Firm

SPONSORED LAWYERS

William T. Peckham

Peter Christopher Ruggero

Mark Allen Cohen

John Robert Mcconnell

Sandra Faye Kim

William B. Gammon

Justin William Fishback

William Lance Cawthon

Robert Allen Daniel

Hipolito Gonzalez

TIPS

LEGAL TERMS

MEANS TEST

DEFINED CONTRIBUTION PLAN

CREDIT BUREAU

CREDIT COUNSELING

LIEN

NO-FAULT INSURANCE

SETOFF

DISPOSABLE INCOME

S CORPORATION

SAMPLE LEGAL CASES

Eaves v. Unifund CCR Partners

Dulong v. Citibank (South Dakota), NA

Martinez v. Midland Credit Management, Inc.

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