Monte Rio Bankruptcy Lawyer, California

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Gregory Fitzgerald
About | Practice Areas
Fitzgerald & Campbell, APLC
400 N. Tustin Avenue Suite 401 Santa Ana, CA 92705» view map
Bankruptcy & Debt
Lawyers Who Solve Serious Problems

We are a motivated, respected, and experienced law firm that provides affordable services that get results.

800-732-9061
1. Gregory Fitzgerald Santa Ana, CA
  Attorney at Law - CA, 1991
  Southern California College J.D. 19991
2. AboutFitzgerald & Campbell, APLC
  Over 25 years of experience.
3. Practice AreasExpertise
  Bankruptcy & Debt
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Includes: Bankruptcy Litigation, Commercial Bankruptcy, Consumer Bankruptcy, Dissolution

Julie S. Kurt

Alimony & Spousal Support, Criminal, Bankruptcy, Animal Bite

Status: In Good Standing

FREE CONSULTATION

CONTACT

1400 North Dutton Avenue, Santa Rosa, CA 95401

Brian Barta

Personal Injury, Foreclosure, Credit & Debt, Bankruptcy

Status: In Good Standing

FREE CONSULTATION

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131-A Stony Circle, Santa Rosa, CA 95401

James Zakasky

Foreclosure, Corporate, Collection, Bankruptcy

Status: In Good Standing

FREE CONSULTATION

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50 Santa Rosa Avenue, Santa Rosa, CA 95404

Ellyn Marie Lazar

Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 44 Years

CONTACT

Windsor, CA 95492

Bob Haroche

Commercial Real Estate, Real Estate, Litigation, Commercial Bankruptcy, Bankruptcy

Status: In Good Standing Licensed: 36 Years

CONTACT

121 N Main St, Sebastopol, CA 95472

Brian Barta

Bankruptcy

Status: In Good Standing Licensed: 33 Years

CONTACT

131A Stony Cir, Santa Rosa, CA 95401

Brian A. Barboza

Bankruptcy, Bankruptcy, Bankruptcy, Bankruptcy & Debt, Bankruptcy & Debt

Status: In Good Standing

CONTACT

1260 N Dutton Ave, Santa Rosa, CA 95401

Kevin James Mccullough

Estate Planning, Corporate, Contract, Commercial Bankruptcy

Status: In Good Standing Licensed: 41 Years

CONTACT

90 S E St, Santa Rosa, CA 95404

Annette Lee Holland

Real Estate, Civil Rights, Bankruptcy, Accident & Injury

Status: In Good Standing Licensed: 34 Years

CONTACT

90 S E St, Santa Rosa, CA 95402

John Robert Hendrickson

Litigation, Transportation & Shipping, Contract, Bankruptcy

Status: In Good Standing Licensed: 16 Years

CONTACT

829 Sonoma Ave, Santa Rosa, CA 95404

800-923-0641

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LEGAL TERMS

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.

CREDIT FILE

See credit report.

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.

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.

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

FCBA

See Fair Credit Billing Act.

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.

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily fu... (more...)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily funded by voluntary donations from the creditors that receive payments from debtors repaying their debts through that office. Despite this criticism, most CCCS counselors provide clients with thorough and neutral advice.

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.

SAMPLE LEGAL CASES

Jaffe v. Pacelli

... ALDRICH, J. I. INTRODUCTION. In this case, the superior court entered a judgment against a debtor, Zenaida C. Pacelli (Pacelli), that included an award of attorney fees. Years later, Pacelli sought to discharge the debt in bankruptcy court. ... 2. The bankruptcy proceedings. ...

Imperial Merchant Services, Inc. v. Hunt

... section 3287, for a total of $179.41. 385 Hunt filed a voluntary petition for bankruptcy in the United States Bankruptcy Court for the Northern District of California (the bankruptcy action). Shortly thereafter, Hunt filed a putative ...

Aceves v. US BANK NA

... deed of trust on her residence. About two years into the loan, she could not afford the monthly payments and filed for bankruptcy under chapter 7 of the Bankruptcy Code (11 USC Â§Â§ 701-784). She intended to convert the chapter ...

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Monte Rio Bankruptcy Lawyer, California

Sponsored Law Firm

Fitzgerald & Campbell, APLC

SPONSORED LAWYERS

Julie S. Kurt

Brian Barta

James Zakasky

Ellyn Marie Lazar

Bob Haroche

Brian Barta

Brian A. Barboza

Kevin James Mccullough

Annette Lee Holland

John Robert Hendrickson

TIPS

LEGAL TERMS

CREDIT BUREAU

CREDIT FILE

GUARANTEED RESERVATION

CURRENT MONTHLY INCOME

GUARANTOR

FCBA

FAIR CREDIT REPORTING ACT (FCRA)

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

TRUTH IN LENDING ACT (TILA)

SAMPLE LEGAL CASES

Jaffe v. Pacelli

Imperial Merchant Services, Inc. v. Hunt

Aceves v. US BANK NA

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