Pasadena Credit & Debt Lawyer, Texas, page 3

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Vicky Fealy
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The Fealy Law Firm, P.C.
1235 North Loop West Suite 1005 Houston, TX 77008 » view map
Bankruptcy, Judgments, & Foreclosures
Houtson Bankruptcy Lawyers

Helping clients take control of their finances, for more that years. Board Certified in Consumer Bankruptcy by the Texas Board of Legal Specialization.

800-810-9591
1. Vicky Fealy Houston, TX
  Attorney At Law - Texas, 1991
  University of Houston Law Center, J.D.
2. Frequently Asked Questions
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John Sanford Powell

Environmental Law Other, Insurance, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 56 Years

CONTACT

2405 S Grand Blvd, Pearland, TX 77581

Kyle L. Dickson

Construction, Science, Technology & Internet, Administrative Law, Credit & Debt

Status: In Good Standing Licensed: 33 Years

CONTACT

2200 Space Park Dr, Houston, TX 77058

Charles Edward Lobb

Construction, Litigation, Credit & Debt, Bankruptcy & Debt

Status: In Good Standing

CONTACT

2200 Space Park Dr, Houston, TX 77058

Leighton H Thompson

Commercial Real Estate, Gift Taxation, Business & Trade, Credit & Debt

Status: In Good Standing Licensed: 23 Years

CONTACT

4008 Vista Rd, Pasadena, TX 77504

Cari A. Wilson Brownlee

Credit & Debt, Personal Injury, Elder Law, Family Law

Status: In Good Standing Licensed: 17 Years

CONTACT

Pasadena, TX 77501

Carl Jay Quezeda

Construction, Credit & Debt, Litigation, Business & Trade, Gift Taxation

Status: In Good Standing Licensed: 11 Years

CONTACT

106 E Willowick Ave, Friendswood, TX 77546

Kaylyn D. Nolen

Credit & Debt, Social Security, Elder Law, Entertainment

Status: In Good Standing Licensed: 21 Years

CONTACT

2231 Center Street, Deer Park, TX 77536

Leo A. Carrasco

Wills, Business & Trade, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 38 Years

CONTACT

7306 Timberline Drive, Pasadena, TX 77505

Robert A. Swofford

Insurance, Credit & Debt, Personal Injury, Family Law

Status: In Good Standing Licensed: 30 Years

CONTACT

1100 Nasa Pkwy, Houston, TX 77058

Mitchell Carlos Contreras

Environmental Law Other, Elder Law, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 42 Years

CONTACT

Deer Park, TX 77536

800-923-0641

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LEGAL TERMS

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

AUTOMATIC STAY

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities,... (more...)

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities, such as filing or continuing lawsuits, making written requests for payment, or notifying credit reporting bureaus of an unpaid debt.

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.

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.

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.

SUBROGATION

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off i... (more...)

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off its injured claimant takes the legal rights the claimant has against a third party that caused the injury, and sues that third party.

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

CHAPTER 7 BANKRUPTCY

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 b... (more...)

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 bankruptcy takes from three to six months, costs about $200, and commonly requires only one trip to the courthouse.

SAMPLE LEGAL CASES

Eaves v. Unifund CCR Partners

... Tommy L. Eaves appeals the jury's verdict against him in Unifund CCR Partners ("Unifund Partners") suit to collect unpaid credit-card debt. We affirm. BACKGROUND. Citibank issued an AT & T credit card to Eaves, and Eaves made purchases with the card. ...

Dulong v. Citibank (South Dakota), NA

... 892 OPINION. Opinion by Justice RICHTER. This case involves a traditional summary judgment in a credit card debt collection matter. Citibank (South Dakota), NA ("Citibank") sued Donna Dulong to recover the balance owed on a credit card (the "Credit Card"). ...

Martinez v. Midland Credit Management, Inc.

... denied), argued that Midland was not entitled to proceed on a sworn account theory to recover a credit card debt. At the hearing on Martinez's Motion for New Trial, Midland argued that its claim was one for breach of contract. ...

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Pasadena Credit & Debt Lawyer, Texas, page 3

Sponsored Law Firm

The Fealy Law Firm, P.C.

SPONSORED LAWYERS

John Sanford Powell

Kyle L. Dickson

Charles Edward Lobb

Leighton H Thompson

Cari A. Wilson Brownlee

Carl Jay Quezeda

Kaylyn D. Nolen

Leo A. Carrasco

Robert A. Swofford

Mitchell Carlos Contreras

TIPS

LEGAL TERMS

COSIGNER

AUTOMATIC STAY

NUISANCE FEES

CHAPTER 13 BANKRUPTCY

ACCORD AND SATISFACTION

SOLE PROPRIETORSHIP

SUBROGATION

SETOFF

CHAPTER 7 BANKRUPTCY

SAMPLE LEGAL CASES

Eaves v. Unifund CCR Partners

Dulong v. Citibank (South Dakota), NA

Martinez v. Midland Credit Management, Inc.

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