Nashville Credit & Debt Lawyer, Tennessee

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Mary Ausbrooks
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Rothschild & Ausbrooks, PLLC
1222 16th Ave. South, Suite 12 Nashville, TN 37212Â» view map
Bankruptcy Filing, Chapter 7, Chapter 13
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800-966-8531
1. Mary Ausbrooks Nashville, TN
  Attorney At Law - Tennessee, 1996
  Cecil C. Humphreys SOL - J.D.
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Tom Bryant Norris

Corporate, Credit & Debt, Labor Law, Elder Law

Status: In Good Standing Licensed: 28 Years

CONTACT

Nashville, TN 37203

Tom Lawless

Dispute Resolution, Bankruptcy, Banking & Finance, Credit & Debt

Status: In Good Standing

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701 Broadway, Nashville, TN 37203

Guy Miller Hogan

Estate Planning, Elder Law, Corporate, Credit & Debt

Status: In Good Standing Licensed: 30 Years

CONTACT

205 17Th Ave N, Nashville, TN 37203

Sean Kirk

Litigation, Lawsuit & Dispute, Credit & Debt, Bankruptcy

Status: In Good Standing

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511 Union Street, Nashville, TN 37219

David Anthony

Real Estate, Litigation, Credit & Debt, Bankruptcy & Debt

Status: In Good Standing

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511 Union Street, Nashville, TN 37219

Nicholas Ryan Barry

Litigation, Labor Law, Reorganization, Credit & Debt

Status: In Good Standing Licensed: 11 Years

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500 11Th Ave N, Nashville, TN 37203

Sabin Thompson

Litigation, Criminal, Civil Rights, Credit & Debt

Status: In Good Standing Licensed: 45 Years

CONTACT

401 Church St, Nashville, TN 37219

Michael G Abelow

Litigation, Reorganization, Credit & Debt, Bankruptcy

Status: In Good Standing

CONTACT

150 Third Avenue South, Nashville, TN 37201

Michael Geoffrey Abelow

Litigation, Reorganization, Credit & Debt, Bankruptcy

Status: In Good Standing

CONTACT

150 Third Avenue South, Nashville, TN 37201

Tony Anthony Saunders

Litigation, Wills & Probate, Reorganization, Credit & Debt

Status: In Good Standing Licensed: 42 Years

CONTACT

333 Commerce Street, Nashville, TN 37201

800-923-0641

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LEGAL TERMS

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.

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.

LOSS DAMAGE WAIVER (LDW)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it ofte... (more...)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it often duplicates coverage provided by the renter's regular car insurance and/or the credit card she uses to rent the car. Nevertheless, hard-sell practices by rental car agents often dupe people into buying LDWs they don't really need. LDW is also called 'collision damage waiver.'

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.

SECRET WARRANTY PROGRAM

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid... (more...)

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid a recall and the accompanying bad press. Secret warranties are rarely advertised by the manufacturer, so consumers must pursue the manufacturer to discover and take advantage of them. A few states require manufacturers to notify car buyers when they adopt secret warranty programs.

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.

401(K) PLAN

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income ... (more...)

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income taxes on the amount invested and any earnings are due until the employee withdraws money from the fund.

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.

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.

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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Nashville Credit & Debt Lawyer, Tennessee

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Rothschild & Ausbrooks, PLLC

SPONSORED LAWYERS

Tom Bryant Norris

Tom Lawless

Guy Miller Hogan

Sean Kirk

David Anthony

Nicholas Ryan Barry

Sabin Thompson

Michael G Abelow

Michael Geoffrey Abelow

Tony Anthony Saunders

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LEGAL TERMS

FAIR CREDIT REPORTING ACT (FCRA)

TRUTH IN LENDING ACT (TILA)

LOSS DAMAGE WAIVER (LDW)

DISCHARGEABLE DEBTS

SECRET WARRANTY PROGRAM

DEBIT CARD

401(K) PLAN

PRESUMED ABUSE

PREFERENCE

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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