Manchaca Credit & Debt Lawyer, Texas, page 5

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Benjamin Sanchez
About | Practice Areas
Sanchez Law Firm
150 W. Parker Rd. 3rd Floor Houston, TX 77076» view map
Real Estate
Excellence In Action

We advocate for our clients in and out of court. When you and the system meet head on, you need an attorney who is experienced, credible, and active.

800-785-3351
1. Benjamin Sanchez Houston, TX
  Attorney at Law - TX, 1998
  University of Houston J.D. 1997
2. AboutSanchez Law Firm
  Excellence In Action
3. Practice AreasExpertise
  Real Estate
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David Neal Stern

Litigation, Business, Credit & Debt, Bankruptcy

Status: In Good Standing

CONTACT

3800 N Lamar Blvd, Austin, TX 78756

David R. Keyes

Public Finance, Business & Trade, Banking & Finance, Credit & Debt

Status: In Good Standing Licensed: 56 Years

CONTACT

303 Colorado St, Austin, TX 78701

Richard Henry Anton

Litigation, Family Law, Insurance, Credit & Debt

Status: In Good Standing Licensed: 40 Years

CONTACT

Austin, TX 78755

Joe K. Crews

Employee Rights, Insurance, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 48 Years

CONTACT

701 Brazos St, Austin, TX 78701

Lisa C. Fancher

Commercial Real Estate, Litigation, Business & Trade, Credit & Debt

Status: In Good Standing

CONTACT

221 W 6Th St, Austin, TX 78701

John Goehrs

Construction, Litigation, International Other, Credit & Debt

Status: In Good Standing Licensed: 36 Years

CONTACT

Austin, TX 78755

Kimberly Ann Bishop

Insurance, Credit & Debt, Bankruptcy & Debt, Personal Injury

Status: In Good Standing Licensed: 27 Years

CONTACT

Austin, TX 78716

Shad Michael Robinson

Commercial Real Estate, Litigation, Credit & Debt, Bankruptcy, Wills & Probate

Status: In Good Standing

CONTACT

903 San Jacinto Blvd, Austin, TX 78701

Cynthia Wilson Veidt

Construction, Employee Rights, Family Law, Credit & Debt

Status: In Good Standing Licensed: 24 Years

CONTACT

Austin, TX 78767

Heather Megan Smith

Commercial Real Estate, Real Estate, Credit & Debt, Bankruptcy & Debt

Status: In Good Standing Licensed: 24 Years

CONTACT

303 Colorado St, Austin, TX 78701

800-923-0641

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LEGAL TERMS

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.

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.

LOSS DAMAGE WAIVER (LDW)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it ofte... (more...)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it often duplicates coverage provided by the renter's regular car insurance and/or the credit card she uses to rent the car. Nevertheless, hard-sell practices by rental car agents often dupe people into buying LDWs they don't really need. LDW is also called 'collision damage waiver.'

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.

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

AUTOMATIC STAY

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities,... (more...)

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities, such as filing or continuing lawsuits, making written requests for payment, or notifying credit reporting bureaus of an unpaid debt.

FDCPA

See Fair Debt Collections & Practices Act.

BANKRUPTCY

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are ... (more...)

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are two types of bankruptcies -- liquidation, in which your debts are wiped out (discharged) and reorganization, in which you provide the court with a plan for how you intend to repay your debts. For both consumers and business, liquidation bankruptcy is called Chapter 7. For consumers, reorganization bankruptcy is called Chapter 13. Reorganization bankruptcy for consumers with an extraordinary amount of debt and for businesses is called Chapter 11. Reorganization bankruptcy for family farmers is called Chapter 12.

LIMITED LIABILITY

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or ... (more...)

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or a person who invests in a corporation (a shareholder) generally stands to lose only the amount of money invested in the business. This means that if the business folds, creditors cannot seize or sell an owner's home, car, or other personal assets.

SAMPLE LEGAL CASES

Eaves v. Unifund CCR Partners

... Tommy L. Eaves appeals the jury's verdict against him in Unifund CCR Partners ("Unifund Partners") suit to collect unpaid credit-card debt. We affirm. BACKGROUND. Citibank issued an AT & T credit card to Eaves, and Eaves made purchases with the card. ...

Dulong v. Citibank (South Dakota), NA

... 892 OPINION. Opinion by Justice RICHTER. This case involves a traditional summary judgment in a credit card debt collection matter. Citibank (South Dakota), NA ("Citibank") sued Donna Dulong to recover the balance owed on a credit card (the "Credit Card"). ...

Martinez v. Midland Credit Management, Inc.

... denied), argued that Midland was not entitled to proceed on a sworn account theory to recover a credit card debt. At the hearing on Martinez's Motion for New Trial, Midland argued that its claim was one for breach of contract. ...

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Manchaca Credit & Debt Lawyer, Texas, page 5

Sponsored Law Firm

Sanchez Law Firm

SPONSORED LAWYERS

David Neal Stern

David R. Keyes

Richard Henry Anton

Joe K. Crews

Lisa C. Fancher

John Goehrs

Kimberly Ann Bishop

Shad Michael Robinson

Cynthia Wilson Veidt

Heather Megan Smith

TIPS

LEGAL TERMS

GUARANTEED RESERVATION

CREDIT INSURANCE

LOSS DAMAGE WAIVER (LDW)

CURRENT MONTHLY INCOME

DISPOSABLE INCOME

AUTOMATIC STAY

FDCPA

BANKRUPTCY

LIMITED LIABILITY

SAMPLE LEGAL CASES

Eaves v. Unifund CCR Partners

Dulong v. Citibank (South Dakota), NA

Martinez v. Midland Credit Management, Inc.

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