Dilley Credit & Debt Lawyer, Texas
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1-3 of 3 matches. Page 1 of 1
Joseph Alexander Sindon
Insurance, Credit & Debt, Personal Injury, Family Law
Status: In Good Standing Licensed: 19 Years
500 E San Antonio St, Pearsall, TX 78061
Profile LAWPOINTS™21/100
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Stanley Olson Hulse
Family Law, Criminal, Business & Trade, Credit & Debt
Status: In Good Standing Licensed: 27 Years
Devine, TX 78016
Profile LAWPOINTS™29/100
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Arturo Ignacio de Vara (Art' Martine)
Administrative Law, Credit & Debt, Personal Injury, Family Law
Status: In Good Standing Licensed: 17 Years
13940 Benton City Rd, Von Ormy, TX 78073
Profile LAWPOINTS™34/100
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LEGAL TERMS
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.
LIQUIDATING PARTNER
The member of an insolvent or dissolving partnership responsible for paying the debts and settling the accounts of the partnership.
FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)
A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)
A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.
DEBT COLLECTOR
A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe... (more...)
A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe. Debt collectors can be relentless, often using scare tactics, humiliation and repeated phone calls to extract payments or promises to pay.
UNSECURED DEBT
A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only reme... (more...)
A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only remedy is to sue you and get a judgment. Compare secured debt.
CHAPTER 7 BANKRUPTCY
The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 b... (more...)
The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 bankruptcy takes from three to six months, costs about $200, and commonly requires only one trip to the courthouse.
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.
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.
SAMPLE LEGAL CASES
Eaves v. Unifund CCR Partners
... Tommy L. Eaves appeals the jury's verdict against him in Unifund CCR Partners ("Unifund
Partners") suit to collect unpaid credit-card debt. We affirm. BACKGROUND. Citibank issued
an AT & T credit card to Eaves, and Eaves made purchases with the card. ...
Dulong v. Citibank (South Dakota), NA
... 892 OPINION. Opinion by Justice RICHTER. This case involves a traditional summary judgment
in a credit card debt collection matter. Citibank (South Dakota), NA ("Citibank") sued Donna Dulong
to recover the balance owed on a credit card (the "Credit Card"). ...
Martinez v. Midland Credit Management, Inc.
... denied), argued that Midland was not entitled to proceed on a sworn account theory
to recover a credit card debt. At the hearing on Martinez's Motion for New Trial,
Midland argued that its claim was one for breach of contract. ...
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PRACTICE AREAS
- Accident & Injury
- Bankruptcy & Debt
- -Bankruptcy
- -Bankruptcy Litigation
- -Commercial Bankruptcy
- -Consumer Bankruptcy
- -Dissolution
- -Collection
- Credit & Debt
- -Reorganization
- -Workout
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