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Vicky Fealy
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The Fealy Law Firm, P.C.
1235 North Loop West Suite 1005 Houston, TX 77008 » view map
Bankruptcy, Judgments, & Foreclosures
Houtson Bankruptcy Lawyers

Helping clients take control of their finances, for more that years. Board Certified in Consumer Bankruptcy by the Texas Board of Legal Specialization.

800-810-9591
1. Vicky Fealy Houston, TX
  Attorney At Law - Texas, 1991
  University of Houston Law Center, J.D.
2. Frequently Asked Questions
  Bankruptcy Frequently Asked Questions
3. Contact UsEmail or Call 24/7
  Timing is often critical and you really need to seek advice early.
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Eric Stephen Southward

✓ VERIFIED

Bankruptcy & Debt, Credit & Debt, Collection

I am a member of the State Bar of Indiana and admitted to practice in the Southern District of Texas, Northern District of Illinois, and the Northern ... (more)

FREE CONSULTATION

CONTACT

713-974-8099

715 E Whitney St, Houston, TX 77022

Aranza Rojas

Immigration, Collection, Workers' Compensation

Status: In Good Standing

CONTACT

3040 Post Oak Boulevard, Houston, TX 77056

M. Kevin Powers

Bed Bug, Bankruptcy Litigation, Collection, Commercial Real Estate

Status: In Good Standing

FREE CONSULTATION

CONTACT

2323 S. Shepherd Drive, Houston, TX 77019

Allen David Russell

Litigation, Electronic Commerce, Contract, Collection

Status: In Good Standing Licensed: 32 Years

CONTACT

2777 Allen Parkway, Houston, TX 77002

Amanda Speer

Litigation, Estate, Contract, Collection

Status: In Good Standing Licensed: 20 Years

CONTACT

17171 Park Row, Houston, TX 77084

Amber Lynn Smith Willingham

Bankruptcy, Bankruptcy & Debt, Collection

Status: In Good Standing Licensed: 20 Years

CONTACT

1400 Broadfield Blvd, Houston, TX 77084

Amy Christine Oliphi Klam

Oil & Gas, Insurance, Collection, Products Liability

Status: In Good Standing Licensed: 23 Years

CONTACT

8313 Cedarbrake Dr, Houston, TX 77055

Anna Barbara Bradie

Civil Rights, Corporate, Collection

Status: Inactive Licensed: 35 Years

CONTACT

6606 Fm 1488 Rd, Magnolia, TX 77354

Barry Lewis Racusin

Bankruptcy & Debt, Real Estate, Real Estate Other, Foreclosure, Collection

Status: In Good Standing

CONTACT

4900 Woodway Dr, Houston, TX 77056

Bernard Ross Sacks

Immigration, Criminal, Collection, Accident & Injury

Status: In Good Standing Licensed: 42 Years

CONTACT

Sugar Land, TX 77487

800-923-0641

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LEGAL TERMS

WORKOUT

A debtor's plan to take care of a debt, by paying it off or through loan forgiveness. Workouts are often created to avoid bankruptcy or foreclosure proceedings.

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.

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.

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.

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.

401(K) PLAN

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income ... (more...)

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income taxes on the amount invested and any earnings are due until the employee withdraws money from the fund.

CREDIT COUNSELING

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Unde... (more...)

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Under the new bankruptcy law, a debtor must undergo credit counseling with an approved provider before filing for bankruptcy.

SUBROGATION

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off i... (more...)

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off its injured claimant takes the legal rights the claimant has against a third party that caused the injury, and sues that third party.

REPOSSESSION

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and ... (more...)

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and has not attempted to work with the lender to resolve the problem. A repossessor can't use force to get at your car, but he can legally hot-wire it and even drive it out of your unlocked garage.

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Houston Collection Lawyer, Texas

Sponsored Law Firm

The Fealy Law Firm, P.C.

SPONSORED LAWYERS

Eric Stephen Southward

Aranza Rojas

M. Kevin Powers

Allen David Russell

Amanda Speer

Amber Lynn Smith Willingham

Amy Christine Oliphi Klam

Anna Barbara Bradie

Barry Lewis Racusin

Bernard Ross Sacks

TIPS

LEGAL TERMS

WORKOUT

REAFFIRMATION

TRUTH IN LENDING ACT (TILA)

NO-FAULT INSURANCE

MEANS TEST

401(K) PLAN

CREDIT COUNSELING

SUBROGATION

REPOSSESSION

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