Daytona Beach Bankruptcy & Debt Lawyer, Florida, page 3

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James Turner
About | Practice Areas
N. James Turner, Attorney at Law
100 S. Bumby Avenue Orlando, FL 32803» view map
Bankruptcy & Debt Law
Debt Collection Defense

Consumer Rights Attorney – providing affordable legal services for debt collector harassment, and debt collection defense

888-877-5103
1. James Turner Orlando, FL
  Attorney at Law, FL
  University of Miami School of Law, J.D. 1975
2. AboutN. James Turner, Attorney at Law
  Debt Collection Defense
3. Practice AreasExpertise
  Bankruptcy & Debt Law
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G.W. Skip Simpson

Foreclosure, Bankruptcy, Divorce, Trusts

Status: In Good Standing

CONTACT

431 Canal Street, New Smyrna Beach, FL 32168

Timothy Matusheski

General Practice

Status: In Good Standing Licensed: 21 Years

CONTACT

708 Horton Street, New Smyrna Beach, FL 32169

Timothy J. Matusheski

General Practice

Status: In Good Standing

CONTACT

708 Horton St, New Smyrna Beach, FL 32169

Sherry M Cote-Jarvis

Family Law, Criminal, Corporate, Bankruptcy

Status: In Good Standing Licensed: 28 Years

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927 S Ridgewood Ave, Edgewater, FL 32132

Mary Reid Mayo Morelly

Trusts, Family Law, Civil Rights, Credit & Debt

Status: In Good Standing Licensed: 12 Years

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2525 Travelers Palm Dr, Edgewater, FL 32141

Clare Ann Keijer

Civil Rights, Estate Planning, International Tax, Bankruptcy, Contract

Status: In Good Standing Licensed: 43 Years

CONTACT

120 E Rich Ave, Deland, FL 32724

Scott Worth Spradley

Litigation, Civil Rights, Banking & Finance, Credit & Debt

Status: In Good Standing Licensed: 36 Years

CONTACT

Flagler Beach, FL 32136

George J. Trovato

Divorce & Family Law, Criminal, Bankruptcy, Accident & Injury

Status: In Good Standing Licensed: 20 Years

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200 E Graves Ave, Orange City, FL 32763

Stacy Adam Eckert

Real Estate, Estate, Bankruptcy & Debt, Elder Law, Bankruptcy & Debt

Status: In Good Standing

CONTACT

2445 S Volusia Ave, Orange City, FL 32763

Tanner Andrews

State and Local, Public Interest Law, Civil Rights, Credit & Debt

Status: In Good Standing Licensed: 19 Years

CONTACT

Deland, FL 32721

800-923-0641

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LEGAL TERMS

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.

CHAPTER 13 PLAN

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to ... (more...)

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to pay all mandatory debts -- for example, back child support, taxes, and mortgage arrearages -- as well as some or all unsecured, nonpriority debts, such as medical and credit card bills.

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

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.

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.

FCBA

See Fair Credit Billing Act.

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.

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.

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.

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Daytona Beach Bankruptcy & Debt Lawyer, Florida, page 3

Sponsored Law Firm

N. James Turner, Attorney at Law

SPONSORED LAWYERS

G.W. Skip Simpson

Timothy Matusheski

Timothy J. Matusheski

Sherry M Cote-Jarvis

Mary Reid Mayo Morelly

Clare Ann Keijer

Scott Worth Spradley

George J. Trovato

Stacy Adam Eckert

Tanner Andrews

TIPS

LEGAL TERMS

TRUTH IN LENDING ACT (TILA)

CHAPTER 13 PLAN

MEANS TEST

DISPOSABLE INCOME

COLLECTION AGENCY

FCBA

GRACE PERIOD

CHAPTER 13 BANKRUPTCY

LIABILITY

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