Cowan Credit & Debt Lawyer, Tennessee, 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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Shawn Carter Trail

Litigation, Wills & Probate, Estate Planning, Credit & Debt

Status: In Good Standing Licensed: 17 Years

CONTACT

117 S Spring St, Manchester, TN 37355

Jennifer Fiola

Estate Planning, Labor Law, Family Law, Credit & Debt

Status: In Good Standing Licensed: 16 Years

CONTACT

160 Harmon Ln, Manchester, TN 37355

Jennifer Lenore Fiola

Estate Planning, Labor Law, Family Law, Credit & Debt

Status: In Good Standing Licensed: 16 Years

CONTACT

160 Harmon Ln, Manchester, TN 37355

Judith St. Clair.

Criminal, Credit & Debt, Family Law, Federal Appellate Practice

Status: In Good Standing Licensed: 13 Years

CONTACT

151 Circle Drive, Manchester, TN 37355

John H. Richardson

General Practice

Status: In Good Standing Licensed: 25 Years

CONTACT

306 Main Ave N, Fayetteville, TN 37334

John Minor Richardson

Litigation, Credit & Debt, Federal Appellate Practice

Status: In Good Standing Licensed: 42 Years

CONTACT

306 Main Ave N, Fayetteville, TN 37334

John Richardson

Litigation, Credit & Debt, Federal Appellate Practice

Status: In Good Standing Licensed: 42 Years

CONTACT

306 Main Ave N, Fayetteville, TN 37334

Beverly Edde Saylor

Insurance, Credit & Debt, Animal Bite, Elder Law

Status: In Good Standing

CONTACT

763 N Main St, Shelbyville, TN 37160

Eric Preston Egbert

Estate Planning, Credit & Debt, Education, Corporate

Status: In Good Standing Licensed: 17 Years

CONTACT

115 W Court Square, Trenton, TN 38382

Darren Monic Caputo

DUI-DWI, Corporate, Credit & Debt, Employee Rights, Civil Rights

Status: In Good Standing Licensed: 14 Years

CONTACT

3800 Saint Elmo Ave, Chattanooga, TN 37409

800-923-0641

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LEGAL TERMS

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.

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

DOING BUSINESS AS (DBA)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or ... (more...)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or similar document with the appropriate agency -- for example, the county clerk. This enables consumers to discover the names of the business owners, which is important if a consumer needs to sue the business.

CREDIT INSURANCE

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay o... (more...)

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay off the remaining balance. Federal and state consumer protection laws require the lender to disclose to existing and potential borrowers the terms and costs of obtaining credit insurance because it can affect the terms of the loan.

BANKRUPTCY TRUSTEE

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is t... (more...)

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is to gather the debtor's nonexempt property, liquidate it and distribute it proportionally to her creditors. In a Chapter 13 case, the trustee's role is to receive the debtor's monthly payments and distribute them proportionally to her creditors.

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.

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.

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

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.

SAMPLE LEGAL CASES

WASHINGTON MUTUAL BANK, FA v. ORNL FEDERAL CREDIT UNION

... The homeowners subsequently refinanced their home with a bank. The bank paid off the homeowners' debt to the credit union, and recorded its own deed of trust securing its loan. At that same time, the loan and deed of trust was assigned to a second bank. ...

PHOENIX CREDIT v. Akers

... Appellant obtained a credit card from Appellee's predecessor in interest, and defaulted on payment of the debt. ... Ms. Akers made payments on the credit card debt, including a payment of $136.00 on February 17, 2005, and a payment of $131.00 on March 18, 2005. ...

Ford Motor Credit Company v. Luna

... Luna asserted that the Marshall County courts lacked jurisdiction over Ford Credit's action because he had previously filed a lawsuit in federal court for violation of the Fair Debt Collection Practices Act, and because Ford Credit's action was filed in retaliation for his federal ...

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Cowan Credit & Debt Lawyer, Tennessee, page 2

Sponsored Law Firm

Fitzgerald & Campbell, APLC

SPONSORED LAWYERS

Shawn Carter Trail

Jennifer Fiola

Jennifer Lenore Fiola

Judith St. Clair.

John H. Richardson

John Minor Richardson

John Richardson

Beverly Edde Saylor

Eric Preston Egbert

Darren Monic Caputo

TIPS

LEGAL TERMS

NONEXEMPT PROPERTY

LIEN

DOING BUSINESS AS (DBA)

CREDIT INSURANCE

BANKRUPTCY TRUSTEE

GRACE PERIOD

REDEMPTION

COLLECTION AGENCY

CHAPTER 13 BANKRUPTCY

SAMPLE LEGAL CASES

WASHINGTON MUTUAL BANK, FA v. ORNL FEDERAL CREDIT UNION

PHOENIX CREDIT v. Akers

Ford Motor Credit Company v. Luna

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