Melvern Collection Lawyer, Kansas

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Gary E. Hinck Lawyer

Gary E. Hinck

VERIFIED
Bankruptcy, Reorganization, Workout, Credit & Debt, Consumer Bankruptcy
We are a debt relief agency, we help people file for Bankruptcy under the Bankruptcy code.

Gary E. Hinck is an experienced Bankruptcy Attorney who has helped thousands of clients through the Bankruptcy process. Gary and his staff understand ... (more)

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800-736-0281

Stanley R. Ausemus Lawyer

Stanley R. Ausemus

VERIFIED
Accident & Injury, DUI-DWI, Criminal, Bankruptcy & Debt, Divorce & Family Law

Here at the law offices of Stanley R. Ausemus, Chartered, my mission is to provide quality legal support and counsel to my clients. I have a reputatio... (more)

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800-709-0390

Dean D. Garland

Landlord-Tenant, Credit & Debt, Collection, Bankruptcy
Status:  In Good Standing           

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Michael Grear

Consumer Protection, Corporate, Consumer Bankruptcy, Bankruptcy
Status:  In Good Standing           

Adam Christopher Mauck

Divorce & Family Law, Bankruptcy & Debt, Real Estate, Bankruptcy
Status:  In Good Standing           Licensed:  7 Years

Thomas Gannon Lemon

Traffic, Employee Rights, Criminal, Collection
Status:  In Good Standing           

Alison J. St. Clair

DUI-DWI, Civil Rights, Collection, Bankruptcy & Debt
Status:  In Good Standing           

Angela Rae Zimmerman

Entertainment, Collection
Status:  In Good Standing           Licensed:  18 Years

Brandy Leeann Sutton

Real Estate, Collection, Bankruptcy, Bankruptcy & Debt
Status:  In Good Standing           

Calvin J. Karlin

Foreclosure, Estate Planning, Estate, Banking & Finance, Collection
Status:  In Good Standing           

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Free Help: Use This Form or Call 800-943-8690

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Easily find Melvern Collection Lawyers and Melvern Collection Law Firms. For more attorneys, search all Bankruptcy & Debt areas including Bankruptcy, Credit & Debt, Reorganization and Workout attorneys.

LEGAL TERMS

SOLE PROPRIETORSHIP

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, m... (more...)
A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, meaning that business profits are reported and taxed on the owner's personal tax return. Setting up a sole proprietorship is cheap and easy since no legal formation documents need be filed with any governmental agency (although tax registration and other permit and license requirements may still apply). Once you file a fictitious name statement (assuming you don't use your own name) and obtain any required basic tax permits and business licenses, you'll be in business. The main downside of a sole proprietorship is that its owner is personally liable for all business debts.

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.

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.

SECURED DEBT

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collater... (more...)
A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collateral, to satisfy the debt if you default. Compare unsecured debt.

DISCHARGEABLE DEBTS

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bill... (more...)
Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bills and medical bills. Compare nondischargeable debts.

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.

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).

LIMITED PARTNERSHIP

A business structure that allows one or more partners (called limited partners) to enjoy limited personal liability for partnership debts while another partner ... (more...)
A business structure that allows one or more partners (called limited partners) to enjoy limited personal liability for partnership debts while another partner or partners (called general partners) have unlimited personal liability. The key difference between a general and limited partner concerns management decision making--general partners run the business, and limited partners, who are usually passive investors, are not allowed to make day-to-day business decisions. If they do, they risk being treated as general partners with unlimited personal liability.

PRESUMED ABUSE

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means te... (more...)
In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means test, the court will presume that the debtor has sufficient income to fund a Chapter 13 plan. In this situation, the debtor will not be allowed to proceed with a Chapter 7 bankruptcy unless the debtor can prove that he or she is not abusing the Chapter 7 bankruptcy remedy.