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Lawrence Belanger
About | Practice Areas
Law Office of Lawrence Belanger
101 North 7th St Louisville, KY 40202» view map
Bankruptcy & Debt
Decades Of Experience

Filing for bankruptcy can be complicated, but it doesn't have to be. Attorney Lawrence Belanger helps his clients every step of the way.

800-872-6030
1. Lawrence Belanger Louisville, KY
  Attorney at Law - KY, 1991
  Suffolk University J.D. 1973
2. AboutLaw Office of Lawrence Belanger
  Decades Of Experience
3. Practice AreasExpertise
  Bankruptcy & Debt
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2. Email
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John W Ames

Litigation, Bankruptcy, Bankruptcy & Debt, Personal Injury

Status: In Good Standing

CONTACT

101 S 5Th St, Louisville, KY 40202

Michael Gary Shaikun

Other, Real Estate, Business, Bankruptcy

Status: In Good Standing

CONTACT

101 S 5Th St, Louisville, KY 40202

Tandy C Patrick

Real Estate, Equine, Business, Bankruptcy

Status: In Good Standing

CONTACT

101 S 5Th St, Louisville, KY 40202

Keith James Larson

Litigation, Lawsuit & Dispute, Family Law, Bankruptcy & Debt, Personal Injury

Status: In Good Standing Licensed: 15 Years

CONTACT

462 South 4th ST, Louisville, KY 40202

Lisa Koch Bryant

Real Estate, Lawsuit & Dispute, Business, Bankruptcy

Status: In Good Standing

CONTACT

401 W Main St, Louisville, KY 40202

Bryan Gowin

Divorce, Child Custody, DUI-DWI, Credit & Debt

Status: In Good Standing

CONTACT

1000 Trevilian Way, Louisville, KY 40213

Richard Allen Vance

Real Estate, Civil Rights, Business, Bankruptcy

Status: In Good Standing

CONTACT

400 West Market Street, Louisville, KY 40202

Alan Crider Stout

Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

601 West Broadway, Louisville, KY 40202

Brian P. Curtis

Bankruptcy

Status: In Good Standing Licensed: 42 Years

CONTACT

101 N 7Th St, Louisville, KY 40202

Charity Bird Neukomm

Bankruptcy

Status: In Good Standing

CONTACT

710 W Main Street, Louisville, KY 40202

800-923-0641

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LEGAL TERMS

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.

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).

NUISANCE FEES

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fe... (more...)

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fees, inactivity fees and fees for not carrying a balance from month to month. It's best to shop around and get rid of cards that have these fees attached.

FCRA

See Fair Credit Reporting Act.

UNSECURED DEBT

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only reme... (more...)

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only remedy is to sue you and get a judgment. Compare secured debt.

CCCS

See Consumer Credit Counseling Service.

DISCHARGE (OF DEBTS)

A bankruptcy court's erasure of the debts of a person or business that has filed for bankruptcy.

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.

FAIR CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

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Masonic Home Bankruptcy & Debt Lawyer, Kentucky, page 4

Sponsored Law Firm

Law Office of Lawrence Belanger

SPONSORED LAWYERS

John W Ames

Michael Gary Shaikun

Tandy C Patrick

Keith James Larson

Lisa Koch Bryant

Bryan Gowin

Richard Allen Vance

Alan Crider Stout

Brian P. Curtis

Charity Bird Neukomm

TIPS

LEGAL TERMS

TRUTH IN LENDING ACT (TILA)

CREDIT REPORT

NUISANCE FEES

FCRA

UNSECURED DEBT

CCCS

DISCHARGE (OF DEBTS)

PREFERENCE

FAIR CREDIT REPORTING ACT (FCRA)

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