Hamilton Bankruptcy & Debt Lawyer, Ontario


Anteneh Fekade Kassa Lawyer

Anteneh Fekade Kassa

VERIFIED
Divorce & Family Law, Family Law, Employment, Contract

Anteneh Kassa attended law school at the University of Alberta. Prior to that, he completed a neuroscience degree at McMaster University. Anteneh... (more)

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800-831-4821

Matthew Albert Nieuwland Lawyer

Matthew Albert Nieuwland

VERIFIED
Accident & Injury, Wrongful Death, Car Accident, Slip & Fall Accident, Personal Injury

Matthew Nieuwland is an Associate Lawyer at Smitiuch Injury Law. After articling with the firm, he was Called to the Bar on September 23, 2016. He wil... (more)

Christopher Henry Kozlowski Lawyer

Christopher Henry Kozlowski

VERIFIED
Divorce & Family Law, Lawsuit & Dispute, Criminal, Immigration, Business

Kozlowski & Company was established in 1990 by managing lawyer Christopher H. Kozlowski. Kozlowski & Company concentrates its practice in the areas on... (more)

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CONTACT

800-318-3210

Deepa  Tailor Lawyer

Deepa Tailor

VERIFIED
Divorce & Family Law, Child Custody, Criminal, Child Support, Employment

Deepa is the founder and Managing Director of Tailor Law Professional Corporation. She holds an undergraduate degree from the University of Toronto a... (more)

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CONTACT

800-804-4761

Rohan R. Haté Lawyer

Rohan R. Haté

VERIFIED
Accident & Injury, Real Estate, Criminal, Divorce & Family Law, Employment

Rohan Haté is a partner at the law firm of McPhadden Samac Tuovi Haté LLP. Rohan received his Honours Bachelor of Arts degree from the Univers... (more)

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CONTACT

800-969-6421

Arman E. Hoque Lawyer

Arman E. Hoque

VERIFIED
Criminal, Litigation, Family Law, Child Custody
Exceptional service, results-oriented, compassionate; Over 15 years experience

Arman Hoque holds a Juris Doctor degree from the University of Windsor in addition to a Master’s degree in Public Administration and a B.A. degree i... (more)

Susan  Alalade Lawyer

Susan Alalade

VERIFIED
Divorce & Family Law, Estate, Immigration, Real Estate, Mediation

Susan Alalade is experienced Legal Counsel with a demonstrated history of working in the law practice industry.

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CONTACT

800-983-1570

Michael D. Smitiuch Lawyer

Michael D. Smitiuch

VERIFIED
Accident & Injury, Wrongful Death, Car Accident, Insurance, Disability

Michael Smitiuch is a personal injury lawyer in Toronto, ON. His practice is dedicated exclusively to representing individuals and family members of t... (more)

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CONTACT

416-621-1551

Peter  Cho Lawyer

Peter Cho

VERIFIED
Accident & Injury, Wrongful Death, Slip & Fall Accident, Personal Injury, Insurance

Peter is a Partner with Smitiuch Injury Law and has exclusively worked as an injury and wrongful death lawyer his entire career. He has extensive know... (more)

Luke  Hamer Lawyer

Luke Hamer

VERIFIED
Accident & Injury, Personal Injury, Car Accident, Wrongful Death, Insurance

Luke Hamer is an Associate Lawyer at Smitiuch Injury Law and exclusively practices in the area of personal injury and wrongful death. Luke has act... (more)

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LEGAL TERMS

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.

FCRA

See Fair Credit Reporting Act.

PRIORITY DEBT

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13... (more...)
A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13 bankruptcy. Priority debts include alimony and child support, fees owed to the trustee and the attorney in the bankruptcy case, and wages owed to employees.

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)
In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

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.'

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)
A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

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.

NONEXEMPT PROPERTY

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typicall... (more...)
The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typically includes valuable clothing (furs) and electronic equipment, an expensive car that's been paid off and most of the equity in your house. Compare exempt property.

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.