Polaris Bankruptcy & Debt Lawyer, Montana, page 4

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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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Wade J. Dahood

Divorce, DUI-DWI, Criminal, Constitutional Law, Real Estate

Status: Licensed: 75 Years

CONTACT

113 E 3Rd St, Anaconda, MT 59711

David F Dierenfeldt

Business

Status: Licensed: 51 Years

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433 Ashleigh Dr, Anaconda, MT 59711

Scott Swan

Intellectual Property

Status: Licensed: 41 Years

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Anaconda, MT 59711

Jeffery Wade Dahood

General Practice

Status: Licensed: 20 Years

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113 E 3Rd St, Anaconda, MT 59711

Edward G. Beaudette

General Practice

Status: Licensed: 45 Years

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Anaconda, MT 59711

Edward D Yelsa

General Practice

Status: Licensed: 62 Years

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1006 Stewart St, Anaconda, MT 59711

Russell Michaels

General Practice

Status: Licensed: 11 Years

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Anaconda, MT 59711

Jeffrey Wade Dahood

Adoption, Criminal, Eminent Domain, Family Law

Status:

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113 E 3Rd St, Anaconda, MT 59711

Ben Krakowka

General Practice

Status: Licensed: 22 Years

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800 Main Street, Anaconda, MT 59711

Ray J Dayton

General Practice

Status: Licensed: 44 Years

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800 South Main Street, Anaconda, MT 59711

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LEGAL TERMS

COLLATERAL

Property that guarantees payment of a secured debt.

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.

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.

SECRET WARRANTY PROGRAM

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid... (more...)

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid a recall and the accompanying bad press. Secret warranties are rarely advertised by the manufacturer, so consumers must pursue the manufacturer to discover and take advantage of them. A few states require manufacturers to notify car buyers when they adopt secret warranty programs.

PRESUMED ABUSE

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means te... (more...)

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means test, the court will presume that the debtor has sufficient income to fund a Chapter 13 plan. In this situation, the debtor will not be allowed to proceed with a Chapter 7 bankruptcy unless the debtor can prove that he or she is not abusing the Chapter 7 bankruptcy remedy.

NO-FAULT INSURANCE

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain ... (more...)

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain amount, regardless of who was at fault. The effect of no-fault insurance laws is to eliminate lawsuits in small accidents. The advantage is the prompt payment of medical bills and expenses. The downsides are that the amounts paid by no-fault policies are often not enough to fully cover a person's losses and that no-fault does not compensate for pain and suffering.

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.

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

WINDING UP

The process of paying off expenses and creditors, settling accounts, and collecting and distributing (to shareholders and owners) whatever assets then remain, a... (more...)

The process of paying off expenses and creditors, settling accounts, and collecting and distributing (to shareholders and owners) whatever assets then remain, all with the ultimate goal of liquidating or closing down a corporation or partnership.

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Polaris Bankruptcy & Debt Lawyer, Montana, page 4

Sponsored Law Firm

Ralph W. Wilkerson Attorney at Law

SPONSORED LAWYERS

Wade J. Dahood

David F Dierenfeldt

Scott Swan

Jeffery Wade Dahood

Edward G. Beaudette

Edward D Yelsa

Russell Michaels

Jeffrey Wade Dahood

Ben Krakowka

Ray J Dayton

TIPS

LEGAL TERMS

COLLATERAL

CREDIT INSURANCE

UNDUE HARDSHIP

SECRET WARRANTY PROGRAM

PRESUMED ABUSE

NO-FAULT INSURANCE

GENERAL PARTNER

REDEMPTION

WINDING UP

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