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Gregory Fitzgerald
About | Practice Areas
Fitzgerald & Campbell, APLC
400 N. Tustin Avenue Suite 401 Santa Ana, CA 92705» view map
Bankruptcy & Debt
Lawyers Who Solve Serious Problems

We are a motivated, respected, and experienced law firm that provides affordable services that get results.

800-732-9061
1. Gregory Fitzgerald Santa Ana, CA
  Attorney at Law - CA, 1991
  Southern California College J.D. 19991
2. AboutFitzgerald & Campbell, APLC
  Over 25 years of experience.
3. Practice AreasExpertise
  Bankruptcy & Debt
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Includes: Bankruptcy Litigation, Commercial Bankruptcy, Consumer Bankruptcy, Dissolution

Raymond John Isleib

Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

2837 G St, Merced, CA 95340

Justin Thomas Allen

Trusts, Family Law, Elder Law, Bankruptcy

Status: Suspended Licensed: 19 Years

CONTACT

2300 Sylvan Ave, Modesto, CA 95357

Patrick B. Greenwell

Criminal, Civil Rights, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

FREE CONSULTATION

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1301 G Street., Modesto, CA 95354

John Nguyen

Farms, Divorce, DUI-DWI, Bankruptcy

Status: In Good Standing Licensed: 22 Years

CONTACT

815 15Th St, Modesto, CA 95354

Mark Girdner

Foreclosure, DUI-DWI, Criminal, Bankruptcy

Status: In Good Standing Licensed: 21 Years

CONTACT

815 15Th St, Modesto, CA 95354

Thomas Oscar Gillis

Landlord-Tenant, Real Estate, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 57 Years

CONTACT

1006 H Street, Modesto, CA 95354

Mahanvir Singh Sahota

Employee Rights, Corporate, Bankruptcy, Medical Malpractice, Construction

Status: In Good Standing Licensed: 18 Years

CONTACT

928 12Th St, Modesto, CA 95354

Ameet Singh Birring

Workers' Compensation, Contract, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 12 Years

CONTACT

1301 K Street, Modesto, CA 95354

Steven S. Altman

Litigation, Commercial Bankruptcy, Bankruptcy Litigation, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 49 Years

CONTACT

1127 12th St, Modesto, CA 95354

Scott Dale Mitchell

Bankruptcy, Personal Injury, Family Law, Criminal, Mass Torts

Status: In Good Standing

CONTACT

1231 8th Street, Modesto, CA 95354

800-923-0641

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LEGAL TERMS

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).

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.

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.

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.

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.

CCCS

See Consumer Credit Counseling Service.

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.

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

SAMPLE LEGAL CASES

Jaffe v. Pacelli

... ALDRICH, J. I. INTRODUCTION. In this case, the superior court entered a judgment against a debtor, Zenaida C. Pacelli (Pacelli), that included an award of attorney fees. Years later, Pacelli sought to discharge the debt in bankruptcy court. ... 2. The bankruptcy proceedings. ...

Imperial Merchant Services, Inc. v. Hunt

... section 3287, for a total of $179.41. 385 Hunt filed a voluntary petition for bankruptcy in the United States Bankruptcy Court for the Northern District of California (the bankruptcy action). Shortly thereafter, Hunt filed a putative ...

Aceves v. US BANK NA

... deed of trust on her residence. About two years into the loan, she could not afford the monthly payments and filed for bankruptcy under chapter 7 of the Bankruptcy Code (11 USC Â§Â§ 701-784). She intended to convert the chapter ...

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Ballico Bankruptcy Lawyer, California

Sponsored Law Firm

Fitzgerald & Campbell, APLC

SPONSORED LAWYERS

Raymond John Isleib

Justin Thomas Allen

Patrick B. Greenwell

John Nguyen

Mark Girdner

Thomas Oscar Gillis

Mahanvir Singh Sahota

Ameet Singh Birring

Steven S. Altman

Scott Dale Mitchell

TIPS

LEGAL TERMS

LIEN

GUARANTOR

SUBROGATION

CREDIT INSURANCE

DEBIT CARD

FAIR CREDIT REPORTING ACT (FCRA)

CCCS

COLLECTION AGENCY

GARNISHMENT

SAMPLE LEGAL CASES

Jaffe v. Pacelli

Imperial Merchant Services, Inc. v. Hunt

Aceves v. US BANK NA

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