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Michael Johnson
About | Practice Areas
Law Offices Of Michael H. Johnson, P.A.
3601 W. Commercial Blvd Suite 31 Fort Lauderdale, FL 33309» view map
Bankruptcy & Debt
Experienced Legal Guidance

I know how important getting out of debt can be, and I’m committed to providing innovative, effective solutions to help you have a brighter future.

800-773-6441
1. Michael Johnson Fort Lauderdale, FL
  Attorney at Law, FL
  Shepard Broad Law Center, J.D. 1998
2. AboutLaw Offices Of Michael H. Johnson, P.A.
  Experienced Legal Guidance
3. Practice AreasExpertise
  Bankruptcy & Debt
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Richard Francis Hussey

Civil Rights, Insurance, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 43 Years

CONTACT

800 Se 3Rd Ave, Fort Lauderdale, FL 33316

Darrel T. King

Credit & Debt, Collection, Car Accident, Animal Bite

Status: In Good Standing Licensed: 27 Years

CONTACT

707 Se 3Rd Ave, Fort Lauderdale, FL 33316

Thomas Alan Truex

Litigation, Civil Rights, Credit & Debt, Bankruptcy

Status: In Good Standing Licensed: 43 Years

CONTACT

4740 Sw 72Nd Ave, Dania, FL 33314

Radames Heredia

Insurance, Credit & Debt, Consumer Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 17 Years

CONTACT

152 Ne 167Th St, North Miami Beach, FL 33162

Gary W Cole

Immigration, Criminal, Civil Rights, Credit & Debt

Status: In Good Standing Licensed: 24 Years

CONTACT

1209 SE 3rd Ave, Fort Lauderdale, FL 33316

Sherri B Simpson

Commercial Real Estate, Corporate, Contract, Credit & Debt

Status: In Good Standing Licensed: 34 Years

CONTACT

1126 S Federal Hwy, Fort Lauderdale, FL 33316

Ricardo Manuel Corona

Civil Rights, Banking & Finance, Credit & Debt, Personal Injury

Status: In Good Standing

CONTACT

904 S Andrews Ave, Fort Lauderdale, FL 33316

Robert Ben Rabin

Contract, Civil Rights, Litigation, Credit & Debt

Status: In Good Standing Licensed: 41 Years

CONTACT

437 Golden Isles Dr, Hallandale, FL 33009

Allan Mark Stein

Lawsuit & Dispute, Federal Trial Practice, Credit & Debt, Bankruptcy & Debt

Status: In Good Standing Licensed: 45 Years

CONTACT

21490 W Dixie Hwy, Miami, FL 33180

Franklin Jay Siegel

Civil Rights, Contract, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 46 Years

CONTACT

1912 S Ocean Dr, Hallandale, FL 33009

800-923-0641

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LEGAL TERMS

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

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.

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.

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.

FDCPA

See Fair Debt Collections & Practices Act.

TOXIC TORT

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and su... (more...)

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and suffering.

S CORPORATION

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status fro... (more...)

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status from the Internal Revenue Service. Electing to do business as an S corporation lets shareholders enjoy limited liability status, as would be true of any corporation, but be taxed like a partnership or sole proprietor. That is, instead of being taxed as a separate entity (as would be the case with a regular or C corporation) an S corporation is a pass-through tax entity: income taxes are reported and paid by the shareholders, not the S corporation. To qualify as an S corporation a number of IRS rules must be met, such as a limit of 75 shareholders and citizenship requirements.

LIMITED LIABILITY

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or ... (more...)

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or a person who invests in a corporation (a shareholder) generally stands to lose only the amount of money invested in the business. This means that if the business folds, creditors cannot seize or sell an owner's home, car, or other personal assets.

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.

SAMPLE LEGAL CASES

Rogers v. Rogers

... In addition to these few assets, the parties accumulated various debts during the marriage. Besides the loan on the Mountaineer, the parties had credit card debt totaling approximately $5000. The parties also owed $23,707.21 on the Wife's student loan. ...

Cunningham v. MBNA AMERICA BANK, NA

... 5th DCA 2004). Such a reading of the counterclaim demonstrates that Mr. Cunningham's claims for violations of the FDCPA and the FCCPA, and for abuse of process, attack MBNA's alleged misuse of the arbitration process to secure payment of a credit card debt. ...

Morgan v. Wilkins

... any person who offers or extends credit creating a debt or to whom a debt is owed, but does not include any person to the extent they receive an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. (Emphasis added). ...

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Pembroke Pines Credit & Debt Lawyer, Florida, page 3

Sponsored Law Firm

Law Offices Of Michael H. Johnson, P.A.

SPONSORED LAWYERS

Richard Francis Hussey

Darrel T. King

Thomas Alan Truex

Radames Heredia

Gary W Cole

Sherri B Simpson

Ricardo Manuel Corona

Robert Ben Rabin

Allan Mark Stein

Franklin Jay Siegel

TIPS

LEGAL TERMS

GRACE PERIOD

DISPOSABLE INCOME

GUARANTOR

TRUTH IN LENDING ACT (TILA)

FDCPA

TOXIC TORT

S CORPORATION

LIMITED LIABILITY

UNDUE HARDSHIP

SAMPLE LEGAL CASES

Rogers v. Rogers

Cunningham v. MBNA AMERICA BANK, NA

Morgan v. Wilkins

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