Fort Myers Credit & Debt Lawyer, Florida

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Atty. Raymond Mitchell
Chapter 7 | Chapter 13
The Law Firm of Raymond Mitchell
3717 Del Prado Blvd. South Cape Coral, Florida 33904 » view map
Lee County Bankruptcy Lawyer
We Help You Survive Financial Attacks

We strive to protect your freedom and rights and provide high quality legal services to you in a professional, respectful, realistic and honest manner.

800-256-5820
1. Raymond B. Mitchell Cape Coral
  Attorney At Law - FL, 1994
  Regent University School of Law - 1993
2. Chapter 7Liquidation
  A Chapter 7 liquidation proceeding is available to individuals, partnerships, and corporations.
3. Chapter 13Reorganization
  A Chapter 13 bankruptcy, or "wage earner reorganization" is available only to individuals with regular income.
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Gregory William Goetz

Commercial Real Estate, Trusts, Civil Rights, Credit & Debt

Status: In Good Standing Licensed: 17 Years

CONTACT

33 Barkley Cir, Fort Myers, FL 33907

David W Fineman

Litigation, Civil Rights, Credit & Debt, Personal Injury

Status: In Good Standing

CONTACT

1436 Royal Palm Square Blvd, Fort Myers, FL 33919

Michelle Tina Trunkett

Bankruptcy, Commercial Real Estate, Motor Vehicle, Credit & Debt

Status: In Good Standing Licensed: 23 Years

CONTACT

3210 Cleveland Ave, Fort Myers, FL 33901

Brian David Zinn

International Tax, Civil Rights, Contract, Credit & Debt

Status: In Good Standing

CONTACT

6 Mile Cypress Pkwy, Fort Myers, FL 33966

Shannon M Puopolo

Litigation, Contract, Credit & Debt, Bankruptcy

Status: In Good Standing

CONTACT

Fort Myers, FL 33902

Paul Anthony Giordano

Litigation, Federal Trial Practice, Business, Credit & Debt

Status: In Good Standing Licensed: 25 Years

CONTACT

2320 First St, Fort Myers, FL 33901

Nicole Leigh Naumann

Real Estate, Title Insurance, Residential Real Estate, Credit & Debt, Real Estate

Status: In Good Standing Licensed: 14 Years

CONTACT

15065 Mcgregor Blvd, Fort Myers, FL 33908

Robert C. Rogers

Litigation, Banking & Finance, Credit & Debt, Bankruptcy

Status: In Good Standing Licensed: 26 Years

CONTACT

60 Gramercy Park N, Fort Myers, FL 33902

Michael Brian Cheffer

Litigation, Construction, Collection, Credit & Debt, Employment

Status: In Good Standing Licensed: 35 Years

CONTACT

2120 Mcgregor Blvd, Fort Myers, FL 33901

Mary V. Palumbo

Litigation, International Other, Administrative Law, Credit & Debt

Status: In Good Standing Licensed: 41 Years

CONTACT

6150 Diamond Centre Ct, Fort Myers, FL 33912

800-923-0641

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LEGAL TERMS

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

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.

REAFFIRMATION

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing deb... (more...)

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing debt after the bankruptcy case is over. For instance, a debtor might make a reaffirmation agreement with the holder of a car note that the debtor can keep the car and must continue to pay the debt after bankruptcy.

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.

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

FAIR CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

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.

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.

UNDUE HARDSHIP

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in t... (more...)

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in the future to pay off the loan may be able to show that repayment would be an undue hardship.

SAMPLE LEGAL CASES

Rogers v. Rogers

... In addition to these few assets, the parties accumulated various debts during the marriage. Besides the loan on the Mountaineer, the parties had credit card debt totaling approximately $5000. The parties also owed $23,707.21 on the Wife's student loan. ...

Cunningham v. MBNA AMERICA BANK, NA

... 5th DCA 2004). Such a reading of the counterclaim demonstrates that Mr. Cunningham's claims for violations of the FDCPA and the FCCPA, and for abuse of process, attack MBNA's alleged misuse of the arbitration process to secure payment of a credit card debt. ...

Morgan v. Wilkins

... any person who offers or extends credit creating a debt or to whom a debt is owed, but does not include any person to the extent they receive an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. (Emphasis added). ...

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Fort Myers Credit & Debt Lawyer, Florida

Sponsored Law Firm

The Law Firm of Raymond Mitchell

SPONSORED LAWYERS

Gregory William Goetz

David W Fineman

Michelle Tina Trunkett

Brian David Zinn

Shannon M Puopolo

Paul Anthony Giordano

Nicole Leigh Naumann

Robert C. Rogers

Michael Brian Cheffer

Mary V. Palumbo

TIPS

LEGAL TERMS

REDEMPTION

COLLECTION AGENCY

REAFFIRMATION

HOUSEHOLDER

CREDIT REPORT

FAIR CREDIT REPORTING ACT (FCRA)

COSIGNER

DEBT COLLECTOR

UNDUE HARDSHIP

SAMPLE LEGAL CASES

Rogers v. Rogers

Cunningham v. MBNA AMERICA BANK, NA

Morgan v. Wilkins

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