Fairfield Bankruptcy & Debt Lawyer, Alabama


Stephen Hasty Jones Lawyer

Stephen Hasty Jones

VERIFIED
Bankruptcy & Debt, Divorce & Family Law, Accident & Injury, Personal Injury, Estate

Attorney Stephen H. Jones has been in the practice of Law for over 20 years.

Josh J. Mitchell Lawyer

Josh J. Mitchell

VERIFIED
Bankruptcy & Debt, Personal Injury, Divorce & Family Law, Estate
Serving Birmingham With Integrity

Josh Mitchell graduated from Jacksonville State University in 1996 and studied law at the Birmingham School of Law where he graduated in 2000. He was... (more)

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800-730-2571

Rommie Glen Wheeler Lawyer

Rommie Glen Wheeler

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

The Wheeler Law Firm is a full-service law firm, providing representation in the areas of business law, real estate law, and title insurance. We provi... (more)

John Watts

Labor Law, Corporate, Credit & Debt, Bankruptcy
Status:  In Good Standing           

Keith Randal Martin

Employment Discrimination, Consumer Protection, Bankruptcy, Bankruptcy & Debt
Status:  In Good Standing           

FREE CONSULTATION 

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Roland H. Beason

Real Estate, Business, Bankruptcy, Personal Injury
Status:  In Good Standing           

FREE CONSULTATION 

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Joy Beth Barganier Smith

Bankruptcy, Commercial Bankruptcy, Consumer Bankruptcy, Credit & Debt
Status:  In Good Standing           

FREE CONSULTATION 

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Max C Pope

Estate, Child Custody, Insurance, Bankruptcy
Status:  In Good Standing           

FREE CONSULTATION 

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Robin A. Mahan

Family Law, Divorce, Wills & Probate, Bankruptcy
Status:  In Good Standing           

Paula Greenway

Bankruptcy & Debt, Wrongful Death, Car Accident, Accident & Injury
Status:  In Good Standing           Licensed:  28 Years

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LEGAL TERMS

DISCHARGE (OF DEBTS)

A bankruptcy court's erasure of the debts of a person or business that has filed for bankruptcy.

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.

401(K) PLAN

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income ... (more...)
A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income taxes on the amount invested and any earnings are due until the employee withdraws money from the fund.

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.'

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.

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.

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).

CREDITOR

A person or entity (such as a bank) to whom a debt is owed.

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.