Hartford Credit & Debt Lawyer, Connecticut

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Lee Johnson
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Johnson Law
350 Silas Deane Highway Suite 301 Wethersfield, CT 06109 » view map
Real Estate, Bankruptcy
Service. Trust. Confidence.

This Law office was built on individual service to each client, one at a time. For over 35 years we have engaged in the General Practice of Law in the State of Connecticut.

800-583-7030
1. Lee Johnson Wethersfield, CT
  Attorney At Law - CT, 1981
  WNE Law J.D 1981
2. Our Vision
  Service-Trust-Confidence-- that you can depend on.
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R. Richard Croce

✓ VERIFIED

Consumer Bankruptcy, Bankruptcy & Debt, Foreclosure, Landlord-Tenant, Credit & Debt

A native of Wellesley, Massachusetts, R. Richard Croce was admitted to the Connecticut bar in 1990 and The United States District Court for the Distri... (more)

CONTACT

860-316-5404

438 Main Street, Middletown, CT 06457

Sandra L. Kelsey

Bankruptcy, Corporate, Credit & Debt, Estate Planning

Status: In Good Standing

CONTACT

89 Oak Street, Hartford, CT 06106

Thomas J. Farrell

Mass Torts, Litigation, Credit & Debt, Bankruptcy

Status: In Good Standing

CONTACT

274 Silas Deane Highway, Wethersfield, CT 06109

Joshua R.I. Cohen

Consumer Protection, Credit & Debt

Status: In Good Standing

FREE CONSULTATION

CONTACT

1224 Mill Street, Building B, East Berlin, CT 06023

Alan R. Dembiczak

Corporate, Business Organization, Credit & Debt, Litigation

Status: In Good Standing

CONTACT

721 Broad Street, Meriden, CT 06450

Stephen P. Wright

Estate Planning, Family Law, Credit & Debt, Bankruptcy

Status: In Good Standing

CONTACT

300 Bic Drive, Milford, CT 06460

William Hamzy

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

Status: In Good Standing

FREE CONSULTATION

CONTACT

140 Farmington Ave., Bristol, CT 06010

John A. Henneberger

Workers' Compensation, Administrative Law, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 26 Years

CONTACT

Enfield, CT 06083

John A Henneberger

Workers' Compensation, Administrative Law, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 26 Years

CONTACT

Enfield, CT 06083

Lisa L. Leishman

Mediation, Credit & Debt, Commercial Real Estate, Clean Air Practice

Status: In Good Standing

CONTACT

99 Cottage Rd, Enfield, CT 06082

800-923-0641

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LEGAL TERMS

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.

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

CREDIT BUREAU

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit... (more...)

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit card companies that use the information to screen applicants for loans and credit cards. There are three major credit bureaus, Equifax, Experian and Trans Union, and they are regulated by the federal Fair Credit Reporting Act.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

FCBA

See Fair Credit Billing Act.

ABUSE

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because ... (more...)

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because the debtor appears to have enough disposable income to fund a Chapter 13 repayment plan.

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.

PRESUMED ABUSE

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means te... (more...)

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means test, the court will presume that the debtor has sufficient income to fund a Chapter 13 plan. In this situation, the debtor will not be allowed to proceed with a Chapter 7 bankruptcy unless the debtor can prove that he or she is not abusing the Chapter 7 bankruptcy remedy.

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.'

SAMPLE LEGAL CASES

Nappo v. Merrill Lynch Credit Corp.

... the validity of a mortgage on her residential property in Avon held by the defendant, Merrill Lynch Credit Corporation. The plaintiff claims that the mortgage should be discharged because the evidence presented at trial failed to establish that she owed the defendant a debt. ...

Credit One, LLC v. Head

... [4] The defendant essentially requested information on why Debt One, LLC, was listed on the assignment agreement submitted by the plaintiff, as well as why the credit account terms and conditions submitted by the plaintiff refer to AT&T Universal Bank instead of Citibank. ...

Hartford Credit & Debt Lawyer, Connecticut

Sponsored Law Firm

Johnson Law

SPONSORED LAWYERS

R. Richard Croce

Sandra L. Kelsey

Thomas J. Farrell

Joshua R.I. Cohen

Alan R. Dembiczak

Stephen P. Wright

William Hamzy

John A. Henneberger

John A Henneberger

Lisa L. Leishman

TIPS

LEGAL TERMS

CHAPTER 13 PLAN

CURRENT MONTHLY INCOME

CREDIT BUREAU

INTEREST

FCBA

ABUSE

REAFFIRMATION

PRESUMED ABUSE

LOSS DAMAGE WAIVER (LDW)

SAMPLE LEGAL CASES

Nappo v. Merrill Lynch Credit Corp.

Credit One, LLC v. Head

NAPPO v. MERRILL LYNCH CREDIT CORP.

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