Greenville Bankruptcy & Debt Lawyer, Rhode Island, page 3

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Joseph Botelho
About | Practice Areas
Botelho Law Group
901 Eastern Ave Suite 2 Fall River, MA 02723» view map
Bankruptcy & Debt Law
Fall River Lawyers

At the Botelho Law Group we have several attorneys, with different specializations; to help your case’s individual needs.

800-229-5331
1. Joseph Botelho Fall River, MA
  Attorney at Law- MA, 2000
  University of Massachusetts School of Law, J.D. 2000
2. AboutBotelho Law Group
  Fall River Lawyers
3. Practice AreasExpertise
  Bankruptcy & Debt Law
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Jacqueline Grasso

Bankruptcy & Debt, Divorce & Family Law, Accident & Injury, Workers' Compensation

Status: In Good Standing Licensed: 31 Years

FREE CONSULTATION

CONTACT

197 Taunton Avenue, East Providence, RI 02914

Roger C. Ross

Corporate, Banking & Finance, Collection

Status: In Good Standing

CONTACT

150 Main Street, Pawtucket, RI 02860

Robert Karns

Social Security -- Disability, Elder Law, Bankruptcy, Medical Malpractice

Status: In Good Standing

CONTACT

101 Dyer Street, Providence, RI 02903

Peter P. D'Amico

Real Estate, Immigration, Bankruptcy, Accident & Injury

Status: In Good Standing

CONTACT

194 Waterman St, Providence, RI 02906

John D. Freel

Bankruptcy, Civil Rights, Premises Liability, Products Liability

Status: In Good Standing Licensed: 16 Years

CONTACT

10 Dorrance Street, Providence, RI 02903

Joanne C. D'Ambra

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

Status: In Good Standing

CONTACT

897 Reservoir Avenue, Cranston, RI 02910

Gail Balser

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

Status: In Good Standing

CONTACT

255 Hope Street, Providence, RI 02906

James L. O'Neill

General Practice

Status: In Good Standing

CONTACT

118 Gano Street, Providence, RI 02903

Karen C. Jessey

Employee Rights, Business & Trade, Business, Consumer Bankruptcy

Status: In Good Standing Licensed: 41 Years

CONTACT

110 Royal Little Dr, Providence, RI 02904

Kim Woongtae

Bankruptcy, Divorce & Family Law, Employment, Estate

Status: In Good Standing

CONTACT

1220 Pontiac Avenue, Cranston, RI 02920

800-923-0641

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800-943-8690

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LEGAL TERMS

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.

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.

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.

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.

FRAUDULENT TRANSFER

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee --... (more...)

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee -- for instance, when a debtor signs a car over to a relative to keep it out of the bankruptcy estate. Fraudulently transferred property can be recovered and sold by the trustee for the benefit of the creditors.

SECRET WARRANTY PROGRAM

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid... (more...)

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid a recall and the accompanying bad press. Secret warranties are rarely advertised by the manufacturer, so consumers must pursue the manufacturer to discover and take advantage of them. A few states require manufacturers to notify car buyers when they adopt secret warranty programs.

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.

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.

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.

Greenville Bankruptcy & Debt Lawyer, Rhode Island, page 3

Sponsored Law Firm

Botelho Law Group

SPONSORED LAWYERS

Jacqueline Grasso

Roger C. Ross

Robert Karns

Peter P. D'Amico

John D. Freel

Joanne C. D'Ambra

Gail Balser

James L. O'Neill

Karen C. Jessey

Kim Woongtae

TIPS

LEGAL TERMS

COLLECTION AGENCY

CHAPTER 7 BANKRUPTCY

MEETING OF CREDITORS

COSIGNER

FRAUDULENT TRANSFER

SECRET WARRANTY PROGRAM

GARNISHMENT

CHAPTER 13 PLAN

GRACE PERIOD

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