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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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2. Email
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Danilo A. Borgas

Power of Attorney, Employment, Business, Collection, Accident & Injury

Status: In Good Standing

CONTACT

2374 Post Rd., Warwick, RI 02886

David B. Hathaway

Litigation, Bankruptcy, Collection, Wills & Probate

Status: In Good Standing

CONTACT

469 Centerville Rd, Warwick, RI 02886

Ericka Lezcano

Credit & Debt, Collection, Bankruptcy

Status: In Good Standing Licensed: 8 Years

CONTACT

282 County Rd, Barrington, RI 02806

Joseph M. Diorio

Power of Attorney, Landlord-Tenant, Immigration, Collection

Status: In Good Standing

CONTACT

82 Camden Lane, Providence, RI 02921

Michael W. Carroll

Construction, Collection, Car Accident, Accident & Injury

Status: In Good Standing

CONTACT

10 Opechee Dr, Barrington, RI 02806

Paul J. Bogosian

Real Estate, Business, Collection, Bankruptcy & Debt

Status: In Good Standing

CONTACT

52 Wolverstone Road, East Greenwich, RI 02818

Ryanna Tyler Capalbo

Accident & Injury, Divorce & Family Law, Real Estate, Collection, Criminal

Status: In Good Standing

FREE CONSULTATION

CONTACT

51 Jefferson Boulevard, Warwick, RI 02888

Stephen R. White

Wills & Probate, Collection, Personal Injury, Accident & Injury

Status: In Good Standing

CONTACT

West Kingston, RI 02892

800-923-0641

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LEGAL TERMS

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.

REAFFIRMATION

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing deb... (more...)

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing debt after the bankruptcy case is over. For instance, a debtor might make a reaffirmation agreement with the holder of a car note that the debtor can keep the car and must continue to pay the debt after bankruptcy.

NUISANCE FEES

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fe... (more...)

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fees, inactivity fees and fees for not carrying a balance from month to month. It's best to shop around and get rid of cards that have these fees attached.

CHAPTER 13 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.

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.

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

DISCHARGE (OF DEBTS)

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

CREDIT FILE

See credit report.

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

North Kingstown Collection Lawyer, Rhode Island

Sponsored Law Firm

Botelho Law Group

SPONSORED LAWYERS

Danilo A. Borgas

David B. Hathaway

Ericka Lezcano

Joseph M. Diorio

Michael W. Carroll

Paul J. Bogosian

Ryanna Tyler Capalbo

Stephen R. White

TIPS

LEGAL TERMS

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

REAFFIRMATION

NUISANCE FEES

CHAPTER 13 BANKRUPTCY

INTEREST

IRS EXPENSES

DISCHARGE (OF DEBTS)

CREDIT FILE

DISPOSABLE INCOME

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