Polaris Bankruptcy & Debt Lawyer, Montana, page 2

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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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James P Dolan

General Practice

Status: Licensed: 39 Years

CONTACT

125 N. Idaho St, Dillon, MT 59725

Kaylan Anne Minor

Government, Divorce & Family Law, Criminal

Status: Licensed: 13 Years

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112 S Washington St, Dillon, MT 59725

Thomas R Scott

Real Estate, Bankruptcy & Debt

Status: Licensed: 45 Years

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22 N. Pacific St., Dillon, MT 59725

Kurt W Steadman

General Practice

Status: Licensed: 23 Years

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Dillon, MT 59725

Calvin J Erb

Real Estate, Industry Specialties

Status: Licensed: 48 Years

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Dillon, MT 59725

Mary Ann Nicholas

Bankruptcy & Debt

Status: Licensed: 42 Years

CONTACT

Dillon, MT 59725

W. Cecil Jones

Medical Malpractice

Status: Licensed: 42 Years

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3116 Carrigan Lane, Dillon, MT 59725

Thomas Alexander Dooling

General Practice

Status: Licensed: 52 Years

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Dillon, MT 59725

John Bain Schuyler

General Practice

Status: Licensed: 63 Years

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103 N Nevada St, Dillon, MT 59725

Roberta Jean Bergeson

General Practice

Status: Licensed: 19 Years

CONTACT

117 S Idaho Street, Dillon, MT 59725

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LEGAL TERMS

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).

TRADE NAME

The official name of a business, the one it uses on its letterhead and bank account when not dealing with consumers.

401(K) PLAN

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income ... (more...)

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income taxes on the amount invested and any earnings are due until the employee withdraws money from the fund.

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.

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.

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.

SECURED DEBT

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collater... (more...)

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collateral, to satisfy the debt if you default. Compare unsecured debt.

BULK SALES LAW

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to ... (more...)

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to conduct a bulk sale of business assets -- that is, get rid of an unusually large amount of inventory, merchandise or equipment -- the business owner must typically publish a notice of the sale and give written notice to creditors. Then, the owner must set up an account to hold the funds from the sale for a brief period of time during which creditors may make claims against the money. The prohibition against bulk sales is spelled out in the Uniform Commercial Code -- and laws modeled on the UCC have been generally adopted throughout the country.

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

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Polaris Bankruptcy & Debt Lawyer, Montana, page 2

Sponsored Law Firm

Ralph W. Wilkerson Attorney at Law

SPONSORED LAWYERS

James P Dolan

Kaylan Anne Minor

Thomas R Scott

Kurt W Steadman

Calvin J Erb

Mary Ann Nicholas

W. Cecil Jones

Thomas Alexander Dooling

John Bain Schuyler

Roberta Jean Bergeson

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LEGAL TERMS

LIEN

TRADE NAME

401(K) PLAN

LIMITED LIABILITY

GUARANTOR

WORKOUT

SECURED DEBT

BULK SALES LAW

CURRENT MONTHLY INCOME

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