Panora Credit & Debt Lawyer, Iowa
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1-3 of 3 matches. Page 1 of 1
Christopher L. Low
Corporate, Business Organization, Credit & Debt, Collection
Status: In Good Standing
FREE CONSULTATION 
CONTACT 2536 73rd Street, Urbandale, IA 50322
Profile LAWPOINTS™40/100
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Matthew F. Hrubetz
Collection, Credit & Debt, Dissolution, Family Law
Status: In Good Standing Licensed: 33 Years
1250 Se 11Th St, Grimes, IA 50111
Profile LAWPOINTS™35/100
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Mark Jon Blaess
Juvenile Law, Family Law, Business & Trade, Credit & Debt
Status: In Good Standing Licensed: 29 Years
8405 Twana Drive, Des Moines, IA 50322
Profile LAWPOINTS™19/100
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LEGAL TERMS
SOLE PROPRIETORSHIP
A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, m... (more...)
A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, meaning that business profits are reported and taxed on the owner's personal tax return. Setting up a sole proprietorship is cheap and easy since no legal formation documents need be filed with any governmental agency (although tax registration and other permit and license requirements may still apply). Once you file a fictitious name statement (assuming you don't use your own name) and obtain any required basic tax permits and business licenses, you'll be in business. The main downside of a sole proprietorship is that its owner is personally liable for all business debts.
COLLECTION AGENCY
A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)
A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.
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.
ACCORD AND SATISFACTION
An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collectin... (more...)
An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collecting as much money as they can from debtors who cannot pay the full amount.
LIEN
The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)
The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).
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.
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.
WORKOUT
A debtor's plan to take care of a debt, by paying it off or through loan forgiveness. Workouts are often created to avoid bankruptcy or foreclosure proceedings.
DEFINED CONTRIBUTION PLAN
A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount ... (more...)
A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount every month, or every year, for each employee. The employer usually pays a fixed percentage of an employee's wages or salary, although sometimes the amount is a fraction of the company's profits, with the size of each employee's pension share depending on the amount of wage or salary. Upon retirement, each employee's pension is determined by how much was contributed to the fund on behalf of that employee over the years, plus whatever earnings that money has accumulated as part of the investments of the entire pension fund.
SAMPLE LEGAL CASES
Anderson v. Nextel Partners, Inc.
... The district court, granted Nextel's motion, holding the agreement signed by Anderson is not
subject to the ICCC because it neither resulted in an extension of credit, nor created a debt
payable in installments. Anderson has appealed. II. Scope of Review. ...
In re Marriage of Hazen
... The parties had the mortgage on their home, debt on their vehicles, and substantial credit
card debt. ... We also modify to require Timothy to be responsible for $8000 of the US Bank
credit card debt and Jeanne to be responsible for $1564 of the debt. ...
JOHN DEERE COMMUNITY CREDIT UNION v. Miller
... This case is a garnishment action, in which John Deere Community Credit Union, now known
as Veridian Credit Union (Veridian) sought to garnish ... but the proceeds of the sale of a homestead;
there is no evidence a homestead descended to Miller; and the debt at issue in the ...
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PRACTICE AREAS
- Accident & Injury
- Bankruptcy & Debt
- -Bankruptcy
- -Bankruptcy Litigation
- -Commercial Bankruptcy
- -Consumer Bankruptcy
- -Dissolution
- -Collection
- Credit & Debt
- -Reorganization
- -Workout
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