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Joseph Botelho
About | Practice Areas
Botelho Law Group
901 Eastern Ave Suite 2 Fall River, MA 02723» view map
Bankruptcy & Debt Law
Fall River Lawyers

At the Botelho Law Group we have several attorneys, with different specializations; to help your case’s individual needs.

800-229-5331
1. Joseph Botelho Fall River, MA
  Attorney at Law- MA, 2000
  University of Massachusetts School of Law, J.D. 2000
2. AboutBotelho Law Group
  Fall River Lawyers
3. Practice AreasExpertise
  Bankruptcy & Debt Law
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Amy S. Mello

Litigation, Guardianships & Conservatorships, Commercial Bankruptcy

Status: In Good Standing

CONTACT

388 County Street, New Bedford, MA 02740

Brenda L. Panaggio

Divorce & Family Law, Civil & Human Rights, Bankruptcy & Debt

Status: In Good Standing

CONTACT

2 Fallows Lane, Dartmouth, MA 02747

Catherine E. Bednarz

Real Estate, Elder Law, Bankruptcy & Debt, Personal Injury

Status: In Good Standing

CONTACT

25 Brown Street, Fairhaven, MA 02719

Catherine Elizabeth Bednarz

Real Estate, Elder Law, Bankruptcy & Debt, Personal Injury

Status: In Good Standing Licensed: 12 Years

CONTACT

25 Brown Street, Fairhaven, MA 02719

Christina M. Frangos

Government, Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 14 Years

CONTACT

333 Bridge Street, Fairhaven, MA 02719

Craig W. Fries

Estate, Criminal, Bankruptcy & Debt, Accident & Injury

Status: In Good Standing Licensed: 24 Years

CONTACT

121 Mate Drive, New Bedford, MA 02745

David Scott Macintyre

General Practice

Status: In Good Standing Licensed: 28 Years

CONTACT

29 Scott Street, Fairhaven, MA 02719

David G. Prentiss

Real Estate, Estate, Employee Rights, Bankruptcy & Debt

Status: In Good Standing Licensed: 49 Years

CONTACT

605 Smith Neck Road, Dartmouth, MA 02748

Heather Lynham

Estate, Adoption, Divorce & Family Law, Bankruptcy & Debt

Status: In Good Standing Licensed: 31 Years

CONTACT

51 Alden Road, Fairhaven, MA 02719

Henry M. Arruda

Corporate, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 33 Years

CONTACT

539 Elm Street, Dartmouth, MA 02748

800-923-0641

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LEGAL TERMS

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

BANKRUPTCY

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are ... (more...)

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are two types of bankruptcies -- liquidation, in which your debts are wiped out (discharged) and reorganization, in which you provide the court with a plan for how you intend to repay your debts. For both consumers and business, liquidation bankruptcy is called Chapter 7. For consumers, reorganization bankruptcy is called Chapter 13. Reorganization bankruptcy for consumers with an extraordinary amount of debt and for businesses is called Chapter 11. Reorganization bankruptcy for family farmers is called Chapter 12.

BULK SALES LAW

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to ... (more...)

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to conduct a bulk sale of business assets -- that is, get rid of an unusually large amount of inventory, merchandise or equipment -- the business owner must typically publish a notice of the sale and give written notice to creditors. Then, the owner must set up an account to hold the funds from the sale for a brief period of time during which creditors may make claims against the money. The prohibition against bulk sales is spelled out in the Uniform Commercial Code -- and laws modeled on the UCC have been generally adopted throughout the country.

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.

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.

CREDIT COUNSELING

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Unde... (more...)

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Under the new bankruptcy law, a debtor must undergo credit counseling with an approved provider before filing for bankruptcy.

FCBA

See Fair Credit Billing Act.

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

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New Bedford Bankruptcy & Debt Lawyer, Massachusetts

Sponsored Law Firm

Botelho Law Group

SPONSORED LAWYERS

Amy S. Mello

Brenda L. Panaggio

Catherine E. Bednarz

Catherine Elizabeth Bednarz

Christina M. Frangos

Craig W. Fries

David Scott Macintyre

David G. Prentiss

Heather Lynham

Henry M. Arruda

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BANKRUPTCY

BULK SALES LAW

UNDUE HARDSHIP

GUARANTOR

CREDIT COUNSELING

FCBA

MEANS TEST

GARNISHMENT

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