Hayward Credit & Debt Lawyer, California

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Gregory Fitzgerald
About | Practice Areas
Fitzgerald & Campbell, APLC
400 N. Tustin Avenue Suite 401 Santa Ana, CA 92705» view map
Bankruptcy & Debt
Lawyers Who Solve Serious Problems

We are a motivated, respected, and experienced law firm that provides affordable services that get results.

800-732-9061
1. Gregory Fitzgerald Santa Ana, CA
  Attorney at Law - CA, 1991
  Southern California College J.D. 19991
2. AboutFitzgerald & Campbell, APLC
  Over 25 years of experience.
3. Practice AreasExpertise
  Bankruptcy & Debt
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Matthew M. Spielberg

Bankruptcy & Debt, Bankruptcy, Collection, Credit & Debt

Status: In Good Standing

CONTACT

21855 Redwood Road, Castro Valley, CA 94546

Calvin Dean Zamansky

Consumer Bankruptcy, Workout, Credit & Debt

Status: In Good Standing

CONTACT

540 Lennon Lane, Walnut Creek, CA 94598

Walter Damian Rickert

Trusts, Family Law, Contract, Credit & Debt

Status: In Good Standing Licensed: 31 Years

CONTACT

109 Jackson St, Hayward, CA 94544

Michael Sanderson Lawson

Estate, Divorce & Family Law, Credit & Debt, Medical Malpractice

Status: In Good Standing Licensed: 54 Years

CONTACT

777 B St, Hayward, CA 94541

Lezly Dorene Crowell

Traffic, Immigration, Criminal, Credit & Debt

Status: In Good Standing Licensed: 29 Years

CONTACT

24438 Santa Clara St, Hayward, CA 94544

Tiega N Varlack

Construction, Communication & Media Law, Corporate, Credit & Debt

Status: In Good Standing Licensed: 18 Years

CONTACT

1290 B St, Hayward, CA 94541

Mark David Poniatowski

Commercial Real Estate, Real Estate, Trusts, Business, Credit & Debt

Status: In Good Standing

CONTACT

21715 Redwood Rd, Hayward, CA 94546

David Allen Thompson

Education, Litigation, Employee Rights, Credit & Debt

Status: In Good Standing Licensed: 25 Years

CONTACT

31353 Huntwood Ave, Hayward, CA 94544

Phillip B Ghaderi

Family Law, Contract, Credit & Debt, Personal Injury

Status: In Good Standing

CONTACT

16190 Foothill Blvd, San Leandro, CA 94578

Jennifer Beverly Reichhoff

Credit & Debt, Consumer Bankruptcy, Bankruptcy

Status: In Good Standing Licensed: 17 Years

CONTACT

14895 E 14Th St, San Leandro, CA 94578

800-923-0641

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LEGAL TERMS

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.

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.

UNSECURED DEBT

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only reme... (more...)

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only remedy is to sue you and get a judgment. Compare secured debt.

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.

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.

NONEXEMPT PROPERTY

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typicall... (more...)

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typically includes valuable clothing (furs) and electronic equipment, an expensive car that's been paid off and most of the equity in your house. Compare exempt property.

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.

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).

LIQUIDATING PARTNER

The member of an insolvent or dissolving partnership responsible for paying the debts and settling the accounts of the partnership.

SAMPLE LEGAL CASES

Komarova v. National Credit Acceptance, Inc.

... This lawsuit arises from the efforts of defendant National Credit Acceptance, Inc., to collect a consumer debt from plaintiff Anastasiya Komarova that she did not owe. ... The plaintiffs there, like plaintiff here, were pursued for payment of a credit card debt they did not owe. ...

Dey v. Continental Central Credit

... K. Dey appeals a judgment of dismissal entered after the court sustained without leave to amend the demurrer of Continental Central Credit (Continental) and ... et seq.) Dey contends he stated a cause of action based on a fee defendants charged him to collect a debt he owed a ...

Liceaga v. Debt Recovery Solutions, LLC

... Despite her pleas to the agency that she was a victim of identity theft and had no Sprint account, they appear to have disbelieved her and ultimately reported her "default" to several credit reporting agencies, without advising that the debt was contested, thus harming her credit ...

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Hayward Credit & Debt Lawyer, California

Sponsored Law Firm

Fitzgerald & Campbell, APLC

SPONSORED LAWYERS

Matthew M. Spielberg

Calvin Dean Zamansky

Walter Damian Rickert

Michael Sanderson Lawson

Lezly Dorene Crowell

Tiega N Varlack

Mark David Poniatowski

David Allen Thompson

Phillip B Ghaderi

Jennifer Beverly Reichhoff

TIPS

LEGAL TERMS

SECRET WARRANTY PROGRAM

CURRENT MONTHLY INCOME

UNSECURED DEBT

GARNISHMENT

TRUTH IN LENDING ACT (TILA)

NONEXEMPT PROPERTY

FAIR CREDIT REPORTING ACT (FCRA)

CREDIT REPORT

LIQUIDATING PARTNER

SAMPLE LEGAL CASES

Komarova v. National Credit Acceptance, Inc.

Dey v. Continental Central Credit

Liceaga v. Debt Recovery Solutions, LLC

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