Laguna Niguel Credit & Debt Lawyer, California

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Charles Martin
About | Practice Areas
Law Office of Charles Martin
17461 Irvine Blvd Suite F Tustin, CA 92780» view map
Bankruptcy & Debt
Professional. Affordable. Reliable.

We have 19 years of experience handling thousands of bankruptcies. With our legal assistance we will guide you through the process of bankruptcy.

800-975-9061
1. Charles Martin Tustin, CA
  Attorney at Law - CA, 2003
  Chapman University J.D.
2. AboutLaw Office of Charles Martin
  We love our customers.
3. Practice AreasExpertise
  Bankruptcy & Debt
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Debra Grimaila

Landlord-Tenant, Corporate, Contract, Credit & Debt

Status: In Good Standing

CONTACT

19200 Von Karman Avenue, Irvine, CA 92612

Ignacio J. Lazo

Real Estate, Litigation, Corporate, Credit & Debt

Status: In Good Standing

CONTACT

8871 Research Drive, Irvine, CA 92618

William Guy Malcolm

Litigation, Credit & Debt, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

31301 Via Las Palmas, San Juan Capistrano, CA 92675

John Allen Babcock

Employee Rights, Corporate, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 52 Years

CONTACT

30251 Golden Lantern, Laguna Niguel, CA 92677

Douglas George Tennant

Military, Real Estate, Credit & Debt, Bankruptcy

Status: In Good Standing Licensed: 42 Years

CONTACT

27075 Cabot Rd, Laguna Hills, CA 92653

Leonard Miles Shulman

Merger & Acquisition, Banking & Finance, Credit & Debt, Bankruptcy

Status: In Good Standing

CONTACT

100 Spectrum Center Dr, Irvine, CA 92618

Stephen Nathan Doan

Commercial Real Estate, Contract, Credit & Debt, Medical Malpractice, Car Accident

Status: In Good Standing Licensed: 22 Years

CONTACT

32158 Camino Capistrano, San Juan Capistrano, CA 92675

Kenneth Leroy Mariboho

Employee Rights, Contract, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 20 Years

CONTACT

27 Mauchly, Irvine, CA 92618

Karoleen Nabil Mito

Litigation, Corporate, Credit & Debt, Personal Injury

Status: In Good Standing

CONTACT

26932 Vista Ter, El Toro, CA 92630

Joshua Andrew Smisko

Entertainment, Trusts, Corporate, Credit & Debt

Status: In Good Standing

CONTACT

27261 Las Ramblas, San Juan Capistrano, CA 92691

800-923-0641

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LEGAL TERMS

FRATERNAL BENEFIT SOCIETY BENEFITS

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal socie... (more...)

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal societies that provide benefits. Also called benefit society, benevolent society or mutual aid association benefits. Under bankruptcy laws, these benefits are virtually always considered exempt property.

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.

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.

CREDIT FILE

See credit report.

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).

UNDUE HARDSHIP

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in t... (more...)

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in the future to pay off the loan may be able to show that repayment would be an undue hardship.

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.

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.

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.

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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Laguna Niguel Credit & Debt Lawyer, California

Sponsored Law Firm

Law Office of Charles Martin

SPONSORED LAWYERS

Debra Grimaila

Ignacio J. Lazo

William Guy Malcolm

John Allen Babcock

Douglas George Tennant

Leonard Miles Shulman

Stephen Nathan Doan

Kenneth Leroy Mariboho

Karoleen Nabil Mito

Joshua Andrew Smisko

TIPS

LEGAL TERMS

FRATERNAL BENEFIT SOCIETY BENEFITS

MEANS TEST

CREDIT INSURANCE

CREDIT FILE

CREDIT REPORT

UNDUE HARDSHIP

CREDIT COUNSELING

ABUSE

TRUTH IN LENDING ACT (TILA)

SAMPLE LEGAL CASES

Komarova v. National Credit Acceptance, Inc.

Dey v. Continental Central Credit

Liceaga v. Debt Recovery Solutions, LLC

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