Hayward Credit & Debt Lawyer, California

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Carl Gustafson
About | Practice Areas
Lincoln Law
24301 Southland Dr. #214B Hayward, CA 94545» view map
Bankruptcy & Debt
Committed to Our Clients

Lincoln Law was established to provide relief to those in debt. We've helped thousands of families regain control of their finances and live debt-free again.

800-722-6578
1. Carl Gustafson Hayward, CA
  Attorney at Law - CA, 2007
  University of California J.D. 2007
2. AboutLincoln Law
  Eliminate your debt by contacting Lincoln Law today.
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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800-943-8690

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LEGAL TERMS

DISCHARGEABLE DEBTS

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bill... (more...)

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bills and medical bills. Compare nondischargeable debts.

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.

CREDIT INSURANCE

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay o... (more...)

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay off the remaining balance. Federal and state consumer protection laws require the lender to disclose to existing and potential borrowers the terms and costs of obtaining credit insurance because it can affect the terms of the loan.

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.

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.

SOLE PROPRIETORSHIP

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, m... (more...)

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, meaning that business profits are reported and taxed on the owner's personal tax return. Setting up a sole proprietorship is cheap and easy since no legal formation documents need be filed with any governmental agency (although tax registration and other permit and license requirements may still apply). Once you file a fictitious name statement (assuming you don't use your own name) and obtain any required basic tax permits and business licenses, you'll be in business. The main downside of a sole proprietorship is that its owner is personally liable for all business debts.

COLLATERAL

Property that guarantees payment of a secured debt.

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

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.

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

Lincoln Law

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

DISCHARGEABLE DEBTS

UNSECURED DEBT

CREDIT INSURANCE

MEANS TEST

REDEMPTION

SOLE PROPRIETORSHIP

COLLATERAL

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

COSIGNER

SAMPLE LEGAL CASES

Komarova v. National Credit Acceptance, Inc.

Dey v. Continental Central Credit

Liceaga v. Debt Recovery Solutions, LLC

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