Manchaca Credit & Debt Lawyer, Texas, page 6

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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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Julia Grivich Benkoski

Wills, Clean Air Practice, Employee Rights, Credit & Debt

Status: Inactive

CONTACT

Austin, TX 78716

Robert P. Nunis

Construction, Litigation, Family Law, Credit & Debt

Status: In Good Standing Licensed: 38 Years

CONTACT

801 West Ave, Austin, TX 78701

Brian Howard Deitch

Construction, Litigation, Business & Trade, Credit & Debt

Status: In Good Standing Licensed: 16 Years

CONTACT

800 Rio Grande St, Austin, TX 78701

Tom Thomas

Lawsuit, Credit & Debt

Status: In Good Standing

CONTACT

100 Congress Ave., Austin, TX 78701

Duane Joseph Brescia

Litigation, Credit & Debt, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 27 Years

CONTACT

720 Brazos St, Austin, TX 78701

Duane Joseph Brescia

Litigation, Credit & Debt, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 27 Years

CONTACT

720 Brazos St, Austin, TX 78701

Julia Ann Kuglen

Construction, Wills, Business & Trade, Credit & Debt

Status: In Good Standing Licensed: 25 Years

CONTACT

1104 Nueces St, Austin, TX 78701

Peter Christopher Ruggero

Litigation, Credit & Debt, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 20 Years

CONTACT

1411 West Ave, Austin, TX 78701

Jason Willis Snell

Construction, Litigation, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 25 Years

CONTACT

404 W 13Th St, Austin, TX 78701

Sarah Frances Berry

Construction, Litigation, Family Law, Credit & Debt

Status: In Good Standing Licensed: 17 Years

CONTACT

1700 Congress Ave, Austin, TX 78701

800-923-0641

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LEGAL TERMS

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

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.

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.

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.

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.

NONDISCHARGEABLE DEBTS

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chap... (more...)

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chapter 13 bankruptcy, the nondischargeable debts will have to be paid in full during your plan or you will have a balance at the end of your case. Examples of nondischargeable debts include alimony and child support, most income tax debts, many student loans and debts for personal injury or death caused by drunk driving. Compare dischargeable debts.

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.

FRAUDULENT TRANSFER

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee --... (more...)

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee -- for instance, when a debtor signs a car over to a relative to keep it out of the bankruptcy estate. Fraudulently transferred property can be recovered and sold by the trustee for the benefit of the creditors.

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.'

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 6

Sponsored Law Firm

Sanchez Law Firm

SPONSORED LAWYERS

Julia Grivich Benkoski

Robert P. Nunis

Brian Howard Deitch

Tom Thomas

Duane Joseph Brescia

Duane Joseph Brescia

Julia Ann Kuglen

Peter Christopher Ruggero

Jason Willis Snell

Sarah Frances Berry

TIPS

LEGAL TERMS

FAIR CREDIT BILLING ACT (FCBA)

CURRENT MONTHLY INCOME

TRUTH IN LENDING ACT (TILA)

MEANS TEST

DEBT COLLECTOR

NONDISCHARGEABLE DEBTS

SUBROGATION

FRAUDULENT TRANSFER

LOSS DAMAGE WAIVER (LDW)

SAMPLE LEGAL CASES

Eaves v. Unifund CCR Partners

Dulong v. Citibank (South Dakota), NA

Martinez v. Midland Credit Management, Inc.

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