West Vancouver Bankruptcy & Debt Lawyer, British Columbia

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Kevin Heinrichs

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Divorce & Family Law

Kevin Heinrichs is a partner in Henderson Heinrichs. He received his Bachelor of Arts degree from Simon Fraser University in 1988 with a major in Po... (more)

FREE CONSULTATION

CONTACT

800-942-9381

1530-1188 West Georgia Street, Vancouver, BC V6E 4A2

Marcus M. Sixta

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Divorce & Family Law

Marcus is the founder of Crossroads Law where he practices family law and fertility law in British Columbia and Alberta. In addition, Marcus is a cert... (more)

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CONTACT

800-645-9220

2100, 1055 West Georgia St, Vancouver, BC V6E 3P3

Matthew Katsionis

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Divorce & Family Law

Matthew is a litigation lawyer with a primary focus on family law. He can also assist clients with various criminal and civil litigation issues. He st... (more)

CONTACT

800-693-2610

1066 West Hastings Street, Vancouver, BC V6E 3X2

Kit S. Perrick

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Divorce & Family Law, Domestic Violence & Neglect, Civil & Human Rights, Native People, Child Custody

I am a civil rights and personal injury lawyer who is a passionate advocate for the victims/survivors of abuse. I have built my career representing th... (more)

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604-638-6935

400 - 1401 West Broadway, Vancouver, BC V6H 1H6

Farouk Jiwa

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Accident & Injury, Criminal, Litigation, Traffic, Slip & Fall Accident

Mr. Jiwa has practiced exclusively in personal injury litigation for almost 14 years with a primary emphasis on ICBC Claims. Mr. Jiwa has handled case... (more)

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CONTACT

800-786-1931

777 West Broadway, Vancouver, BC V5Z 4J7

David A. Goldberg

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Accident & Injury, Personal Injury, Insurance, Employment, Elder Law

Born in Richmond and raised in Vancouver, David received his law degree from the University of Manchester. Since he began practicing law David has had... (more)

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CONTACT

800-978-7280

805 West Broadway, Vancouver, BC V5Z 1K1

Randall Kent Cohn

Immigration, Criminal

CONTACT

236-349-2036

838 W Hastings St., Vancouver, BC V6C1C8

Mara Stickland

Family Law, Collaborative Law, Mediation, Divorce & Family Law

Status: In Good Standing Licensed: 31 Years

CONTACT

North & West Vancouver Offices, North Vancouver, BC V7R 4T1

Marianna Jasper

Tax, Immigration, Criminal, Native People

Status: In Good Standing Licensed: 11 Years

CONTACT

355 Burrard Street, Vancouver, BC V6C 2G8

Joseph J. Saulnier

Criminal, Traffic, Motor Vehicle, DUI-DWI

Status: In Good Standing Licensed: 20 Years

CONTACT

815 Hornby Street, Vancouver, BC V6Z 2E6

800-620-0900

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800-923-0641

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LEGAL TERMS

CREDIT FILE

See credit report.

LIABILITY

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pi... (more...)

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pipe bursts the day after Paul installs it, ruining the bathroom floor. This raises the issue of liability: Who is responsible for the damage? Peri claims that Paul is responsible, and sues him for the cost of hiring another plumber to fix the pipe and replacing the floor. Paul, in turn, claims that the pipe manufacturer is responsible, because they supplied him with faulty materials. Both Peri and Paul must prove their claims in court; if Paul and/or the manufacturer is found liable, one or both will have to pay damages to Peri. (2) Something for which a person is liable. For example, a debt is often called a liability.

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.

FORBEARANCE

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily ... (more...)

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily postponing or reducing the borrower's payments.

FCRA

See Fair Credit Reporting Act.

REAFFIRMATION

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing deb... (more...)

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing debt after the bankruptcy case is over. For instance, a debtor might make a reaffirmation agreement with the holder of a car note that the debtor can keep the car and must continue to pay the debt after bankruptcy.

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.

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.

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

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West Vancouver Bankruptcy & Debt Lawyer, British Columbia

SPONSORED LAWYERS

Kevin Heinrichs

Marcus M. Sixta

Matthew Katsionis

Kit S. Perrick

Farouk Jiwa

David A. Goldberg

Randall Kent Cohn

Mara Stickland

Marianna Jasper

Joseph J. Saulnier

TIPS

LEGAL TERMS

CREDIT FILE

LIABILITY

DISPOSABLE INCOME

FORBEARANCE

FCRA

REAFFIRMATION

INTEREST

FAIR CREDIT REPORTING ACT (FCRA)

CURRENT MONTHLY INCOME

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