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Julio Cesar Marrero Lawyer

Julio Cesar Marrero

VERIFIED
Real Estate Other, Divorce & Family Law, Bankruptcy & Debt, Foreclosure, Wills & Probate
Attorney at Law. Celebrating 30 years of excellence serving Miami, FL near the City of Coral Gables.

Julio C. Marrero, is an experienced Florida Attorney, licensed since 1988. He received his Juris Doctor degree with Cum laude distinction from the Uni... (more)

Michael  Marcer Lawyer

Michael Marcer

VERIFIED
Bankruptcy, Garnishment, Foreclosure, Reorganization, Workout
Bankruptcy Attorney and Lawyer for Legal Advice and Representation.

Michael Marcer is licensed as an Attorney and Counselor at Law serving clients in Dade, Broward, and Monroe County. Michael completed his undergradua... (more)

Michael Alan Furshman Lawyer

Michael Alan Furshman

VERIFIED
Collection, Real Estate, Trusts

Michael A. Furshman is the managing member and principal of the company. Mr. Furshman represents real estate developers, investment funds and other co... (more)

Jeffrey  Exposito Lawyer

Jeffrey Exposito

VERIFIED
Bankruptcy & Debt, Traffic, Accident & Injury, Real Estate, Criminal
Experienced Miami Attorney

Jeffrey Exposito boasts an impressive legal career spanning over two decades. His academic background is just as notable; he obtained his Bachelor of ... (more)

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Christian  Veras Lawyer

Christian Veras

VERIFIED
Immigration, Bankruptcy & Debt, Real Estate, Family Law

After a failed attempt at playing professional baseball I immigrated to the United States during my teen years in search of a better future. I have al... (more)

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800-975-1591

Junior  Mentor Lawyer

Junior Mentor

VERIFIED
Divorce & Family Law, Immigration, Bankruptcy & Debt, Consumer Rights, Child Support
We are a multilingual law firm providing legal servicesin Immigration, Family Law, Consumer law.

Junior Mentor is a practicing lawyer in the state of Florida. He received his J.D. from Florida Coastal School of Law in 2011. He currently works for ... (more)

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800-261-2230

Leonid  Nerdinsky Lawyer

Leonid Nerdinsky

VERIFIED
Estate, Bankruptcy & Debt, Tax, Real Estate, Business
Skilled In Our Profession. Committed To Our Practice. Determined For Our Clients.

Leonid Nerdinsky has been practicing law for 14 years. He deals specifically with Business Law, Real Estate Law, Litigation, Estate Planning, and Bank... (more)

Joseph  Brien Lawyer

Joseph Brien

VERIFIED
Business, Bankruptcy, Wills & Probate, Estate, Real Estate
Providing Legal Services to the South Florida area

The People’s Advocate is a full-service law firm with offices in Hollywood, Florida. A substantial client base is referred to our firm by previous ... (more)

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800-895-6331

Howard K. Butler Lawyer

Howard K. Butler

VERIFIED
Bankruptcy, Criminal, Divorce, Family Law, Foreclosure
Broward County Florida Bankruptcy Lawyer

Bankruptcy Lawyer, Howard Butler, graduated from St. Louis University school of law in 1995. Mr. Butler practiced various areas of law in Missouri ( M... (more)

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954-797-5338

Robert William Murphy Lawyer

Robert William Murphy

VERIFIED
Consumer Rights, Real Estate, Motor Vehicle, Bankruptcy & Debt, Business

Consumer fraud attorney Robert Murphy is a trial lawyer who practices in the areas of consumer litigation in Florida and across the country. In over 2... (more)

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800-845-7961

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LEGAL TERMS

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.

DISCHARGE (OF DEBTS)

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

DEBIT CARD

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can ... (more...)
A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can also be used at stores to pay for goods and services in place of a check. Unlike a credit card, a debit card automatically withdraws money from your checking account at the time of the transaction. Debit cards are regulated by the Electronic Funds Transfer Act.

CREDIT BUREAU

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit... (more...)
A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit card companies that use the information to screen applicants for loans and credit cards. There are three major credit bureaus, Equifax, Experian and Trans Union, and they are regulated by the federal Fair Credit Reporting Act.

DEFINED CONTRIBUTION PLAN

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount ... (more...)
A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount every month, or every year, for each employee. The employer usually pays a fixed percentage of an employee's wages or salary, although sometimes the amount is a fraction of the company's profits, with the size of each employee's pension share depending on the amount of wage or salary. Upon retirement, each employee's pension is determined by how much was contributed to the fund on behalf of that employee over the years, plus whatever earnings that money has accumulated as part of the investments of the entire pension fund.

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.

NO-FAULT INSURANCE

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain ... (more...)
Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain amount, regardless of who was at fault. The effect of no-fault insurance laws is to eliminate lawsuits in small accidents. The advantage is the prompt payment of medical bills and expenses. The downsides are that the amounts paid by no-fault policies are often not enough to fully cover a person's losses and that no-fault does not compensate for pain and suffering.

ACCORD AND SATISFACTION

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collectin... (more...)
An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collecting as much money as they can from debtors who cannot pay the full amount.

WINDING UP

The process of paying off expenses and creditors, settling accounts, and collecting and distributing (to shareholders and owners) whatever assets then remain, a... (more...)
The process of paying off expenses and creditors, settling accounts, and collecting and distributing (to shareholders and owners) whatever assets then remain, all with the ultimate goal of liquidating or closing down a corporation or partnership.