Polaris Bankruptcy & Debt Lawyer, Montana

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Ralph W. Wilkerson
About | Practice Areas
Ralph W. Wilkerson Attorney at Law
2722 3rd Avenue North Suite 400 Billings, MT 59101» view map
Bankruptcy & Debt
Get Help Starting Over

Allow our knowledgeable attorney to begin bankruptcy proceedings so you can put an end to harassing creditor phone calls.

800-785-0631
1. Ralph Wilkerson Billings, MT
  Attorney at Law - AZ, 1996
  University of Wyoming J.D. 1995
2. AboutRalph W. Wilkerson Attorney at Law
  Helping you in a variety of situations.
3. Practice AreasExpertise
  Bankruptcy & Debt
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Robert Gerald McCarthy

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Accident & Injury, Lawsuit & Dispute, Real Estate

Robert McCarthy is a practicing lawyer in the state of Montana.

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406-494-2500

3738 Harrison Ave, Butte, MT 59701

David M. McLean

Class Action, Social Security -- Disability, Pharmaceutical Product, Family Law

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108 East Park Avenue, Anaconda, MT 59711

Michael D. McLean

Family Law, Medical Malpractice, Wills & Probate, Bad Faith Insurance

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108 East Park Avenue, Anaconda, MT 59711

Michelle Sievers

Bankruptcy, Criminal, Family Law, Insurance, Personal Injury

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113 E Third St, Anaconda, MT 59711

Ben J. Everett

Civil Rights, Estate Planning, Insurance, Litigation, Personal Injury

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113 E Third St, Anaconda, MT 59711

Dominic P Carestia

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Status: Licensed: 46 Years

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Wise River, MT 59762

Max Arthur Hansen

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Status: Licensed: 50 Years

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Peter Mark Tomaryn

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William Cecil Jones

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Status: Licensed: 40 Years

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Walter Starkel

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Status: Licensed: 46 Years

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Dillon, MT 59725

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LEGAL TERMS

TRADE DRESS

The distinctive packaging or design of a product that promotes the product and distinguishes it from other products in the marketplace -- for example, the shape... (more...)

The distinctive packaging or design of a product that promotes the product and distinguishes it from other products in the marketplace -- for example, the shape of Frangelico liqueur bottles. Trade dress can be protected under trademark law if a showing can be made that the average consumer would likely be confused as to product origin if another product were allowed to appear in similar dress.

DISCHARGEABLE DEBTS

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bill... (more...)

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bills and medical bills. Compare nondischargeable debts.

FDCPA

See Fair Debt Collections & Practices Act.

FCRA

See Fair Credit Reporting Act.

PRIORITY DEBT

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13... (more...)

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13 bankruptcy. Priority debts include alimony and child support, fees owed to the trustee and the attorney in the bankruptcy case, and wages owed to employees.

CREDIT INSURANCE

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay o... (more...)

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay off the remaining balance. Federal and state consumer protection laws require the lender to disclose to existing and potential borrowers the terms and costs of obtaining credit insurance because it can affect the terms of the loan.

LOSS DAMAGE WAIVER (LDW)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it ofte... (more...)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it often duplicates coverage provided by the renter's regular car insurance and/or the credit card she uses to rent the car. Nevertheless, hard-sell practices by rental car agents often dupe people into buying LDWs they don't really need. LDW is also called 'collision damage waiver.'

GENERAL PARTNER

A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the... (more...)

A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the business's debts and obligations. A general partner's actions can legally bind the entire business. See also partnership, limited partnership.

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.

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Polaris Bankruptcy & Debt Lawyer, Montana

Sponsored Law Firm

Ralph W. Wilkerson Attorney at Law

SPONSORED LAWYERS

Robert Gerald McCarthy

David M. McLean

Michael D. McLean

Michelle Sievers

Ben J. Everett

Dominic P Carestia

Max Arthur Hansen

Peter Mark Tomaryn

William Cecil Jones

Walter Starkel

TIPS

LEGAL TERMS

TRADE DRESS

DISCHARGEABLE DEBTS

FDCPA

FCRA

PRIORITY DEBT

CREDIT INSURANCE

LOSS DAMAGE WAIVER (LDW)

GENERAL PARTNER

INTEREST

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