Billings Workout 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
Get Help Starting Over

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)

FREE CONSULTATION

CONTACT

800-785-0631

2722 3rd Avenue North, Billings, MT 59101

Ben T. Sather

Workout, Dental Malpractice, Domain Names, Medical Malpractice

Status: In Good Standing

FREE CONSULTATION

CONTACT

2825 3rd Avenue North, Billings, MT 59101

Eric Edward Nord

Franchising, Business Organization, Banking & Finance, Collection

Status: In Good Standing

CONTACT

2708 1St Ave N, Billings, MT 59101

James A. Patten

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

Status: In Good Standing

CONTACT

2817 2Nd Ave N., Billings, MT 59101

Martin S. Smith

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

Status: In Good Standing

CONTACT

208 N. Broadway, Billings, MT 59103

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

Melanie Logan Rimel

Workers' Compensation, Insurance, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 37 Years

CONTACT

3545 Mac Duff Cir, Billings, MT 59101

Jeffery A Hunnes

Litigation, Corporate, Contract, Bankruptcy

Status: In Good Standing

CONTACT

175 North 27Th Street, Billings, MT 59103

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

800-923-0641

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LEGAL TERMS

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

ADMINISTRATIVE EXPENSES

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Admi... (more...)

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Administrative costs are typically 10% of the debtor's total payments under the plan.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

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.

CHAPTER 13 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.

CCCS

See Consumer Credit Counseling Service.

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.

401(K) PLAN

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income ... (more...)

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income taxes on the amount invested and any earnings are due until the employee withdraws money from the fund.

TRADE DRESS

The distinctive packaging or design of a product that promotes the product and distinguishes it from other products in the marketplace -- for example, the shape... (more...)

The distinctive packaging or design of a product that promotes the product and distinguishes it from other products in the marketplace -- for example, the shape of Frangelico liqueur bottles. Trade dress can be protected under trademark law if a showing can be made that the average consumer would likely be confused as to product origin if another product were allowed to appear in similar dress.

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Billings Workout Lawyer, Montana

Sponsored Law Firm

Ralph W. Wilkerson Attorney at Law

SPONSORED LAWYERS

Ralph W. Wilkerson

Ben T. Sather

Eric Edward Nord

James A. Patten

Martin S. Smith

Joel E. Guthals

A. Randolph Jacobs

Melanie Logan Rimel

Jeffery A Hunnes

Craig D. Martinson

TIPS

LEGAL TERMS

CREDIT REPORT

ADMINISTRATIVE EXPENSES

INTEREST

NO-FAULT INSURANCE

CHAPTER 13 BANKRUPTCY

CCCS

CREDIT BUREAU

401(K) PLAN

TRADE DRESS

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