Boulder Creek Bankruptcy Lawyer, California, page 2

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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

Balam Osberto Letona

Motor Vehicle, Commercial Banks, Credit & Debt, Bankruptcy

Status: In Good Standing Licensed: 21 Years

CONTACT

1146 Soquel Ave, Santa Cruz, CA 95063

Nicholas J. Arduini

Other, Divorce & Family Law, Criminal, Bankruptcy

Status: In Good Standing Licensed: 17 Years

CONTACT

2192 Northampton Dr, Alviso, CA 95124

Victoria Zhi Li

Estate, Bankruptcy, Gift Taxation

Status: In Good Standing

CONTACT

2845 Moorpark Ave, San Jose, CA 95128

Joanne Michele Wendell

Natural Resources, Employee Rights, Business & Trade, Commercial Bankruptcy

Status: In Good Standing Licensed: 27 Years

CONTACT

577 Salmar Ave, Campbell, CA 95008

Kriston Spenser Withrow

Securities, Business & Trade, Corporate, Commercial Bankruptcy

Status: In Good Standing Licensed: 23 Years

CONTACT

801 California St, Mountain View, CA 94041

Burl Stanley Polon

Gift Taxation, Credit & Debt, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 44 Years

CONTACT

2805 Porter St, Soquel, CA 95073

Wayne Silver

Social Security, Government, Family Law, Bankruptcy

Status: In Good Standing Licensed: 41 Years

CONTACT

333 W El Camino Real Ste 310, Sunnyvale, CA 94087

Arjun Harsh Mehra

Real Estate, Litigation, Advertising, Commercial Bankruptcy

Status: In Good Standing Licensed: 15 Years

CONTACT

1 Apple Park Way, Cupertino, CA 95014

John Mlnarik

Estate, Divorce & Family Law, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

FREE CONSULTATION

CONTACT

2930 Bowers Avenue, Santa Clara, CA 95051

Rebecca Lynn Epstein

Litigation, Business, Credit & Debt, Bankruptcy

Status: In Good Standing Licensed: 31 Years

CONTACT

650 Page Mill Rd, Palo Alto, CA 94304

800-923-0641

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LEGAL TERMS

CREDITOR

A person or entity (such as a bank) to whom a debt is owed.

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

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).

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.'

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

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.

AUTOMATIC STAY

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities,... (more...)

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities, such as filing or continuing lawsuits, making written requests for payment, or notifying credit reporting bureaus of an unpaid debt.

REPOSSESSION

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and ... (more...)

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and has not attempted to work with the lender to resolve the problem. A repossessor can't use force to get at your car, but he can legally hot-wire it and even drive it out of your unlocked garage.

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.

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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Boulder Creek Bankruptcy Lawyer, California, page 2

Sponsored Law Firm

Fitzgerald & Campbell, APLC

SPONSORED LAWYERS

Balam Osberto Letona

Nicholas J. Arduini

Victoria Zhi Li

Joanne Michele Wendell

Kriston Spenser Withrow

Burl Stanley Polon

Wayne Silver

Arjun Harsh Mehra

John Mlnarik

Rebecca Lynn Epstein

TIPS

LEGAL TERMS

CREDITOR

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

CREDIT REPORT

LOSS DAMAGE WAIVER (LDW)

TRUTH IN LENDING ACT (TILA)

ADMINISTRATIVE EXPENSES

AUTOMATIC STAY

REPOSSESSION

INTEREST

SAMPLE LEGAL CASES

Jaffe v. Pacelli

Imperial Merchant Services, Inc. v. Hunt

Aceves v. US BANK NA

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