Munford Credit & Debt Lawyer, Tennessee

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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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William Allen Wooten

Trusts, Labor Law, Insurance, Credit & Debt, Corporate

Status: In Good Standing

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120 Court Sq E, Covington, TN 38019

James Davies Lawson

Insurance, Credit & Debt, Household Mold, Employee Rights

Status: In Good Standing Licensed: 38 Years

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10094 Ridgewood Oak Drive, Arlington, TN 38002

Howard Rex Peppel

Landlord-Tenant, Litigation, Credit & Debt, Bankruptcy & Debt

Status: In Good Standing Licensed: 52 Years

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474 Perkins, Memphis, TN 38117

Laurie L. Christensen

Health Care, Wills & Probate, Corporate, Credit & Debt

Status: In Good Standing Licensed: 21 Years

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350 N Humphreys Blvd, Memphis, TN 38120

Laurie Christensen

Health Care, Wills & Probate, Corporate, Credit & Debt

Status: In Good Standing Licensed: 21 Years

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350 N Humphreys Blvd, Memphis, TN 38120

Alan Alsobrook

Bankruptcy & Debt, Business & Trade, Bankruptcy, Credit & Debt

Status: In Good Standing Licensed: 17 Years

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8986 Bazemore, Cordova, TN 38018

Steven Daniel Medlock

Wills & Probate, Credit & Debt, Juvenile Law, Federal Appellate Practice

Status: In Good Standing Licensed: 13 Years

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5915 Brierglen Ave, Memphis, TN 38120

Will Edgar Cochran

Health Care, Environmental Law Other, Insurance, Credit & Debt

Status: In Good Standing Licensed: 24 Years

CONTACT

530 Oak Court Dr, Memphis, TN 38117

David Louis Mendelson

Litigation, Corporate, Reorganization, Credit & Debt, Bankruptcy

Status: In Good Standing

CONTACT

799 Estate Pl, Memphis, TN 38120

David Louis Mendelson

Litigation, Corporate, Reorganization, Credit & Debt

Status: In Good Standing

CONTACT

799 Estate Pl, Memphis, TN 38120

800-923-0641

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LEGAL TERMS

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.

COLLATERAL

Property that guarantees payment of a secured debt.

BANKRUPTCY TRUSTEE

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is t... (more...)

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is to gather the debtor's nonexempt property, liquidate it and distribute it proportionally to her creditors. In a Chapter 13 case, the trustee's role is to receive the debtor's monthly payments and distribute them proportionally to her creditors.

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.

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.

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.

S CORPORATION

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status fro... (more...)

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status from the Internal Revenue Service. Electing to do business as an S corporation lets shareholders enjoy limited liability status, as would be true of any corporation, but be taxed like a partnership or sole proprietor. That is, instead of being taxed as a separate entity (as would be the case with a regular or C corporation) an S corporation is a pass-through tax entity: income taxes are reported and paid by the shareholders, not the S corporation. To qualify as an S corporation a number of IRS rules must be met, such as a limit of 75 shareholders and citizenship requirements.

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.

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.

SAMPLE LEGAL CASES

WASHINGTON MUTUAL BANK, FA v. ORNL FEDERAL CREDIT UNION

... The homeowners subsequently refinanced their home with a bank. The bank paid off the homeowners' debt to the credit union, and recorded its own deed of trust securing its loan. At that same time, the loan and deed of trust was assigned to a second bank. ...

PHOENIX CREDIT v. Akers

... Appellant obtained a credit card from Appellee's predecessor in interest, and defaulted on payment of the debt. ... Ms. Akers made payments on the credit card debt, including a payment of $136.00 on February 17, 2005, and a payment of $131.00 on March 18, 2005. ...

Ford Motor Credit Company v. Luna

... Luna asserted that the Marshall County courts lacked jurisdiction over Ford Credit's action because he had previously filed a lawsuit in federal court for violation of the Fair Debt Collection Practices Act, and because Ford Credit's action was filed in retaliation for his federal ...

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Munford Credit & Debt Lawyer, Tennessee

Sponsored Law Firm

Fitzgerald & Campbell, APLC

SPONSORED LAWYERS

William Allen Wooten

James Davies Lawson

Howard Rex Peppel

Laurie L. Christensen

Laurie Christensen

Alan Alsobrook

Steven Daniel Medlock

Will Edgar Cochran

David Louis Mendelson

David Louis Mendelson

TIPS

LEGAL TERMS

SECURED DEBT

COLLATERAL

BANKRUPTCY TRUSTEE

PRESUMED ABUSE

TRUTH IN LENDING ACT (TILA)

FAIR CREDIT REPORTING ACT (FCRA)

S CORPORATION

NONDISCHARGEABLE DEBTS

GUARANTOR

SAMPLE LEGAL CASES

WASHINGTON MUTUAL BANK, FA v. ORNL FEDERAL CREDIT UNION

PHOENIX CREDIT v. Akers

Ford Motor Credit Company v. Luna

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