Guthrie County, IA Credit & Debt Lawyers

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Jeffrey N. Bump

Credit & Debt, Contract, Commercial Real Estate, Wills
Status:  In Good Standing           Licensed:  31 Years

Christine Lee Sand

Real Estate, Wills, Trusts, Estate Planning, Administrative Law
Status:  In Good Standing           Licensed:  17 Years

Eric Donald Reinhart

Landlord-Tenant, Divorce
Status:  In Good Standing           Licensed:  15 Years

Melissa Christine Lewis

General Practice
Status:  In Good Standing           Licensed:  12 Years
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Karen Kay Varley

General Practice
Status:  In Good Standing           Licensed:  5 Years

Beverly Ellen Wild

Other, Government, Divorce & Family Law, Business, Family Law
Status:  In Good Standing           Licensed:  33 Years

Warren Andrew Varley

Estate, Real Estate, Tax, Business Organization
Status:  In Good Standing           Licensed:  31 Years

Joel Christopher Baxter

Landlord-Tenant, Real Estate, Criminal, Property & Casualty
Status:  In Good Standing           Licensed:  17 Years

William Earl Bump

General Practice
Status:  In Good Standing           Licensed:  36 Years

Carol Ann Muhlbauer Wendl

Estate Planning, Commercial Real Estate, Business & Trade
Status:  In Good Standing           Licensed:  36 Years

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Free Help: Use This Form or Call 800-943-8690

Member Representative

Call me for fastest results!
800-943-8690

Free Help: Use This Form or Call 800-943-8690

By submitting this lawyer request, I confirm I have read and agree to the Consent to Receive Email, Phone, Text Messages, Terms of Use, and Privacy Policy. Information provided is not privileged or confidential.

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LEGAL TERMS

TOXIC TORT

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and su... (more...)
A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and suffering.

NUISANCE FEES

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fe... (more...)
Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fees, inactivity fees and fees for not carrying a balance from month to month. It's best to shop around and get rid of cards that have these fees attached.

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)
A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)
A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)
A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

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.

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily fu... (more...)
A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily funded by voluntary donations from the creditors that receive payments from debtors repaying their debts through that office. Despite this criticism, most CCCS counselors provide clients with thorough and neutral advice.

NO-FAULT INSURANCE

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain ... (more...)
Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain amount, regardless of who was at fault. The effect of no-fault insurance laws is to eliminate lawsuits in small accidents. The advantage is the prompt payment of medical bills and expenses. The downsides are that the amounts paid by no-fault policies are often not enough to fully cover a person's losses and that no-fault does not compensate for pain and suffering.

GENERAL PARTNER

A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the... (more...)
A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the business's debts and obligations. A general partner's actions can legally bind the entire business. See also partnership, limited partnership.

SAMPLE LEGAL CASES

Anderson v. Nextel Partners, Inc.

... The district court, granted Nextel's motion, holding the agreement signed by Anderson is not subject to the ICCC because it neither resulted in an extension of credit, nor created a debt payable in installments. Anderson has appealed. II. Scope of Review. ...

In re Marriage of Hazen

... The parties had the mortgage on their home, debt on their vehicles, and substantial credit card debt. ... We also modify to require Timothy to be responsible for $8000 of the US Bank credit card debt and Jeanne to be responsible for $1564 of the debt. ...

JOHN DEERE COMMUNITY CREDIT UNION v. Miller

... This case is a garnishment action, in which John Deere Community Credit Union, now known as Veridian Credit Union (Veridian) sought to garnish ... but the proceeds of the sale of a homestead; there is no evidence a homestead descended to Miller; and the debt at issue in the ...