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George L. Fernandez Lawyer

George L. Fernandez

VERIFIED
Criminal, Landlord-Tenant, Bankruptcy

From working at a large law firm, to opening his own practice, Attorney George L. Fernandez has represented hundreds of clients in the California and ... (more)

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800-970-2821

Edwin A. Barnum Lawyer

Edwin A. Barnum

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Bankruptcy & Debt, Divorce & Family Law, Estate Planning, Personal Injury, Foreclosure
Helping You "Tip" The Balance of Justice in Your Favor.

Edwin Barnum is a bankruptcy lawyer proudly serving Torrance, CA and the neighboring communities. He reassures all his clients that he passes "no jud... (more)

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800-820-6081

Sundee  Teeple Lawyer

Sundee Teeple

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Bankruptcy & Debt, Bankruptcy, Credit & Debt, Reorganization

Winterbotham Parham Teeple, a PC has over 40 years experience working in Bankruptcy law and will work for you to obtain the best results available. Ou... (more)

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Sundee  Teeple Lawyer

Sundee Teeple

VERIFIED
Bankruptcy & Debt, Bankruptcy, Credit & Debt, Reorganization

Winterbotham Parham Teeple, a PC has over 40 years experience working in Bankruptcy law and will work for you to obtain the best results available. Ou... (more)

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Andrei  Armas Lawyer

Andrei Armas

VERIFIED
Consumer Rights, Consumer Protection, Identity Theft, Credit & Debt

Andrei Armas is a Partner of Armas & Joseph, APLC specializing in consumer protection, class action litigation, and civil trials. Mr. Armas also prac... (more)

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800-675-3790

Gregory Mark Fitzgerald Lawyer

Gregory Mark Fitzgerald

VERIFIED
Bankruptcy & Debt, Credit & Debt, Collection, Garnishment, Consumer Protection

Fitzgerald & Campbell is a Consumer Debt Defense Law Firm unlike any other. We provide affordable protection to consumers suffering from debt through... (more)

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800-732-9061

William James Campbell Lawyer

William James Campbell

VERIFIED
Bankruptcy & Debt, Criminal, Consumer Rights, Bankruptcy, Employment

William Campbell began his working career by serving in the United States Army as an infantryman in the 101st Airborne Division. After serving and ho... (more)

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855-709-5788

Noha  Gabra Lawyer

Noha Gabra

VERIFIED
Bankruptcy & Debt, Consumer Rights, Contract

Noha Gabra is admitted to the State Bar of California. She is admitted to practice law in the Supreme Court of California, all Federal Courts of Appea... (more)

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855-709-5788

Nazanin  Javanmardi Lawyer

Nazanin Javanmardi

VERIFIED
Bankruptcy & Debt

Nazanin Javanmardi was born and raised in Iran. She moved to the United States when she was 17 years old. She earned her undergraduate degree from the... (more)

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855-709-5788

April  Bayonnne Lawyer

April Bayonnne

VERIFIED
Bankruptcy & Debt

April earned her undergraduate degree from the University of Arkansas, Fort Smith, where she received a Bachelor of Science degree in Business Adminis... (more)

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855-709-5788

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LEGAL TERMS

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)
The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

CYBERSQUATTING

Buying a domain name that reflects the name of a business or famous person with the intent of selling the name back to the business or celebrity for a profit. T... (more...)
Buying a domain name that reflects the name of a business or famous person with the intent of selling the name back to the business or celebrity for a profit. The Anticybersquatting Consumer Protection Act of 1999 authorizes a cybersquatting victim to file a federal lawsuit to regain a domain name or sue for financial compensation. Under the act, registering, selling or using a domain name with the intent to profit from someone else's good name is considered cybersquatting. Victims of cybersquatting can also use the provisions of the Uniform Domain Name Dispute Resolution Policy adopted by ICANN, an international tribunal administering domain names. This international policy results in arbitration of the dispute, not litigation.

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemp... (more...)
In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemptible because it has been damaged or destroyed.

GUARANTEED RESERVATION

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehic... (more...)
A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehicle for you no matter when you show up. If you have a guaranteed reservation with a hotel, it must provide you with a room, either at that hotel or at another comparable establishment. If you have a guaranteed reservation with a car agency, it must provide you with a vehicle. The downside of a guaranteed reservation is that if you don't show up and haven't cancelled your reservation, you will be billed for one night in the room or one day's use of the vehicle.

DEBT COLLECTOR

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe... (more...)
A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe. Debt collectors can be relentless, often using scare tactics, humiliation and repeated phone calls to extract payments or promises to pay.

LIQUIDATING PARTNER

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

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.

PREFERENCE

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commer... (more...)
A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commercial creditors) and within one year for insider creditors (friends, family members, and business associates). Because a preference gives the creditor who received the payment an edge over other creditors in the bankruptcy case, the trustee can recover the preference (the amount of the payment) and distribute it among all of the creditors.

ADMINISTRATIVE EXPENSES

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Admi... (more...)
The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Administrative costs are typically 10% of the debtor's total payments under the plan.