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Jerome Ramsaran
About | Practice Areas
Ramsaran Law Group
12550 Biscayne Blvd Suite 800 Miami, FL 33181» view map
Immigration
Fighting On Behalf of Consumer and Victims

Our vision is to provide our clients with skilled legal advice in a timely and efficient manner.

800-694-6540
1. Jerome Ramsaran Miami, FL
  Attorney at Law- FL
  University of Miami School of Law, J.D. 2013
2. AboutRamsaran Law Group
  Fighting On Behalf of Consumer and Victims
3. Practice AreasExpertise
  Insurance
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Diane Muenze Gonzalez

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

With over 25 years of experience, attorney Diane Gonzalez has provided numerous clients effective and reliable legal counsel on a wide range of legal ... (more)

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CONTACT

239-948-8655

10800 Corkscrew Road, Estero, FL 33928

Harry Jay Klausner

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Divorce & Family Law, Bankruptcy & Debt, Estate, Motor Vehicle, Contract

Harry J. Klausner is a practicing lawyer in the state of Florida.

CONTACT

800-749-9521

3333 Renaissance Blvd, Bonita Springs, FL 34135

Robert C. Hill

Animal Bite, Criminal, Banking & Finance, Bankruptcy

Status: In Good Standing

CONTACT

2431 First St, Fort Myers, FL 33901

Paul D. Sullivan

Administrative Law, Bankruptcy, Criminal, DUI-DWI

Status: In Good Standing

CONTACT

520 E Olympia Ave, Punta Gorda, FL 33950

Gregory N. Burns

Bankruptcy & Debt, Elder Law, Estate Planning, Estate

Status: Deceased Licensed: 47 Years

FREE CONSULTATION

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2709 Swamp Cabbage Court, Fort Myers, FL 33901

Steven Klaus Teuber

Bankruptcy & Debt, Criminal, Divorce & Family Law, Employment, Estate

Status: In Good Standing Licensed: 16 Years

CONTACT

1375 Jackson St, Fort Myers, FL 33901

Carmen Dellutri

Traffic, DUI-DWI, Bankruptcy, Personal Injury, Bankruptcy & Debt

Status: In Good Standing

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1436 Royal Palm Square Blvd, Fort Myers, FL 33919

Brian David Zinn

International Tax, Civil Rights, Contract, Credit & Debt

Status: In Good Standing

CONTACT

6 Mile Cypress Pkwy, Fort Myers, FL 33966

Robert E. Burkett

Employee Rights, Corporate, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 40 Years

CONTACT

5237 Summerlin Commons Blvd, Fort Myers, FL 33907

James Lewis Goetz

Litigation, Federal Appellate Practice, Estate, Collection

Status: In Good Standing Licensed: 49 Years

CONTACT

33 Barkley Cir, Fort Myers, FL 33907

800-923-0641

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LEGAL TERMS

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.

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.

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.

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.

CREDITOR

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

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

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.'

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.

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Fort Myers Bankruptcy & Debt Lawyer, Florida

Sponsored Law Firm

Ramsaran Law Group

SPONSORED LAWYERS

Diane Muenze Gonzalez

Harry Jay Klausner

Robert C. Hill

Paul D. Sullivan

Gregory N. Burns

Steven Klaus Teuber

Carmen Dellutri

Brian David Zinn

Robert E. Burkett

James Lewis Goetz

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LEGAL TERMS

DISPOSABLE INCOME

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

MEETING OF CREDITORS

CHAPTER 13 BANKRUPTCY

LIABILITY

CREDITOR

COSIGNER

LOSS DAMAGE WAIVER (LDW)

GARNISHMENT

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