Clearwater Reorganization Lawyer, Florida

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Stephen  Bernhardt Lawyer

Stephen Bernhardt

VERIFIED
Criminal, Bankruptcy & Debt, Accident & Injury

Stephen Bernhardt has been an attorney since he was 25 years old. Now, nearly a decade later, Bernhardt has extensive trial experience in both crimin... (more)

Stephen M Bernhardt Lawyer

Stephen M Bernhardt

VERIFIED
Criminal, Bankruptcy & Debt, Accident & Injury

Stephen Bernhardt has been an attorney since he was 25 years old. Now, nearly a decade later, Bernhardt has extensive trial experience in both crimin... (more)

Scott A. Rosin Lawyer

Scott A. Rosin

VERIFIED
Bankruptcy & Debt, Foreclosure, Real Estate, Estate

If you are facing overwhelming debt in the greater Tampa Bay Florida area, relief begins by consulting with an experienced bankruptcy attorney at the ... (more)

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CONTACT

800-672-6861

Jay  Kovar Lawyer

Jay Kovar

VERIFIED
Property Damage, Slip & Fall Accident, Estate Planning, Wills & Probate, Credit & Debt

Mr. Kovar is the founder and driving force of Elysium Law. However, he wasn’t always an attorney. Mr. Kovar was most recently the owner of a constru... (more)

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CONTACT

800-851-4860

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Jason  Clark Lawyer

Jason Clark

VERIFIED
Real Estate, Business, Estate Planning, Personal Injury, Bankruptcy & Debt

Jason Clark proudly serves all Counties in Florida in the areas of real estate, business, power of attorney, will & probate law, Estate Planning, Fore... (more)

Robert Marc Geller Lawyer

Robert Marc Geller

VERIFIED
Bankruptcy & Debt, Credit & Debt, Accident & Injury

Practicing law for over 26 years. Have handled over 6000 consumer bankruptcy cases. Additionally have handled personal injury cases through out my car... (more)

Alan  Borden Lawyer

Alan Borden

VERIFIED
Bankruptcy & Debt, Credit & Debt, Foreclosure, Personal Injury, Collection
Consumer Protection Law Firm helping consumers in need

Lawyer.com Member Questionnaire Please describe a case(s) in the last year or two where you made a big difference. I helped a retired veteran sa... (more)

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CONTACT

800-795-7741

Debra Denise Newman Lawyer

Debra Denise Newman

VERIFIED
Estate, Bankruptcy, Credit & Debt, Contract

Debra Newman is a practicing lawyer in the state of Florida. She received her J.D. from Hofstra University School of Law.

Stephen  Bernhardt Lawyer

Stephen Bernhardt

VERIFIED
Criminal, Bankruptcy & Debt, Accident & Injury

Stephen Bernhardt has been an attorney since he was 25 years old. Now, nearly a decade later, Bernhardt has extensive trial experience in both crimin... (more)

Harvey J. Spinowitz

Adoption, Animal Bite, Bankruptcy, Corporate
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Free Help: Use This Form or Call 800-943-8690

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Free Help: Use This Form or Call 800-943-8690

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LEGAL TERMS

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.

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.

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.

FCBA

See Fair Credit Billing Act.

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.

GUARANTEED RESERVATION

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehic... (more...)
A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehicle for you no matter when you show up. If you have a guaranteed reservation with a hotel, it must provide you with a room, either at that hotel or at another comparable establishment. If you have a guaranteed reservation with a car agency, it must provide you with a vehicle. The downside of a guaranteed reservation is that if you don't show up and haven't cancelled your reservation, you will be billed for one night in the room or one day's use of the vehicle.

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.

COLLATERAL

Property that guarantees payment of a secured debt.

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.