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Michael Raymond Cramer Lawyer

Michael Raymond Cramer

Business, Business Organization, Collection, Construction, Civil & Human Rights

Mr. Cramer grew up in the piney woods of Mt. Vernon, East Texas before moving to Mesquite, where he graduated from High School in 1986. Following high... (more)

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855-982-7199

Marcus  Leinart Lawyer

Marcus Leinart

VERIFIED
Accident & Injury, Bankruptcy & Debt

Marcus is dedicated to helping people who have experienced financial difficulties as a result of life’s unexpected hardships. His law practice focus... (more)

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469-232-3328

Michael E. Robinson Lawyer

Michael E. Robinson

VERIFIED
Accident & Injury, Bankruptcy & Debt, Estate, Real Estate, Litigation

Michael E. (Mike) Robinson is an experienced litigation attorney concentrating in commercial and residential real estate, legal malpractice and client... (more)

Warren V. Norred Lawyer

Warren V. Norred

VERIFIED
Bankruptcy & Debt, Intellectual Property, Business, Lawsuit & Dispute, Industry Specialties
Admitted to all Texas courts, and the Fifth, Ninth, and Federal Circuit, and the Supreme Court.

Warren V. Norred is an attorney with experience in bankruptcy, intellectual property and litigation. Mr. Norred earned his Bachelor in Electrical Engi... (more)

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Ted  Machi Lawyer

Ted Machi

VERIFIED
Accident & Injury, Bankruptcy, Social Security -- Disability, Personal Injury

Ted Machi is Board Certified in Consumer Bankruptcy law by the Texas Board of Legal Specialization. For over thirty years, he has helped the little gu... (more)

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800-804-0771

Matthew  Towson Lawyer

Matthew Towson

VERIFIED
Divorce & Family Law, Bankruptcy & Debt, Elder Law, Family Law, Mediation

Attorney Matthew Towson is an associate attorney with the firm. Matthew concentrates his practice in family law and enjoys advocating for our clients ... (more)

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972-584-9382

Dwain  Downing Lawyer

Dwain Downing

VERIFIED
Wills & Probate, Bankruptcy, Estate Planning, Divorce, Credit & Debt
Experienced and compassionate law firm

Hello, my name is Dwain Downing and if you are in need, I would like to be your attorney, To help you to know me a little better I would like to tell ... (more)

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800-382-6050

Sean Patrick Acker Lawyer

Sean Patrick Acker

Bankruptcy & Debt, Commercial Bankruptcy, Consumer Bankruptcy, Bankruptcy

Sean P. Acker graduated from the Texas A&M School of Law in 2009 after earning his Bachelor's degree from the University of Texas. Prior to starting h... (more)

Christopher  Lee Lawyer

Christopher Lee

VERIFIED
Bankruptcy & Debt, Business Organization, Consumer Rights, Tax Litigation, Power of Attorney
My Goal is to Make My Law Firm the Industry Standard in These Areas of the Law.

I am licensed to practice law in the United States Supreme Court, the State of Texas, both the Northern, Eastern and Southern Districts of Texas Feder... (more)

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800-795-0040

D. Grant Seabolt Lawyer

D. Grant Seabolt

VERIFIED
Business, Wills & Probate, International, Credit & Debt

D. Grant Seabolt, Jr. is a practicing lawyer in the state of Texas.

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LEGAL TERMS

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.

TRADE NAME

The official name of a business, the one it uses on its letterhead and bank account when not dealing with consumers.

SECRET WARRANTY PROGRAM

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid... (more...)
A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid a recall and the accompanying bad press. Secret warranties are rarely advertised by the manufacturer, so consumers must pursue the manufacturer to discover and take advantage of them. A few states require manufacturers to notify car buyers when they adopt secret warranty programs.

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.'

CREDIT FILE

See credit report.

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.

NUISANCE FEES

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fe... (more...)
Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fees, inactivity fees and fees for not carrying a balance from month to month. It's best to shop around and get rid of cards that have these fees attached.

HOUSEHOLDER

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a ho... (more...)
A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a homestead exemption and possibly other exemptions relating to the maintenance of the household.

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)
A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.