Polaris Reorganization 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
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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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Andrew Warlick Betson

General Practice

Status: Licensed: 9 Years

CONTACT

44 W Park St, Butte, MT 59701

Angela Kay Hasquet

Divorce & Family Law, Malpractice

Status: Licensed: 14 Years

CONTACT

129 W Park St, Butte, MT 59703

Ann Marie Monaghan

Tax, Estate Planning, Trusts, Land Use & Zoning, Traffic

Status: Licensed: 32 Years

CONTACT

2017 Harrison Ave, Butte, MT 59701

Ann M Shea

General Practice

Status: Licensed: 30 Years

CONTACT

155 W Granite Street, Butte, MT 59701

Anthony M DeNino

General Practice

Status: Licensed: 70 Years

CONTACT

155 W Granite Street, Butte, MT 59701

Augustine M. Menke

General Practice

Status: Licensed: 6 Years

CONTACT

113 East 3Rd Street, Anaconda, MT 59711

Ben Krakowka

General Practice

Status: Licensed: 22 Years

CONTACT

800 Main Street, Anaconda, MT 59711

Benjamin Philip Hursh

Real Estate, Lawsuit & Dispute, Business

Status:

CONTACT

400 N Main Street, Butte, MT 59701

Bernard J Everett

General Practice

Status: Licensed: 49 Years

CONTACT

217 East Park Avenue, Anaconda, MT 59711

Bernard F McCarthy

General Practice

Status: Licensed: 42 Years

CONTACT

3440 Hannibal St, Butte, MT 59701

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LEGAL TERMS

FCBA

See Fair Credit Billing Act.

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

CHAPTER 13 PLAN

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to ... (more...)

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to pay all mandatory debts -- for example, back child support, taxes, and mortgage arrearages -- as well as some or all unsecured, nonpriority debts, such as medical and credit card bills.

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

INFRINGEMENT (OF TRADEMARK)

Unauthorized use of a protected trademark or service mark, or use of something very similar to a protected mark. The success of a lawsuit to stop the infringeme... (more...)

Unauthorized use of a protected trademark or service mark, or use of something very similar to a protected mark. The success of a lawsuit to stop the infringement turns on whether the defendant's use causes a likelihood of confusion in the average consumer. If a court determines that the average consumer would be confused, the owner of the original mark can prevent the other's use of the infringing mark and sometimes collect damages.

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily fu... (more...)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily funded by voluntary donations from the creditors that receive payments from debtors repaying their debts through that office. Despite this criticism, most CCCS counselors provide clients with thorough and neutral advice.

FAIR CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

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.

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Polaris Reorganization Lawyer, Montana, page 4

Sponsored Law Firm

Ralph W. Wilkerson Attorney at Law

SPONSORED LAWYERS

Andrew Warlick Betson

Angela Kay Hasquet

Ann Marie Monaghan

Ann M Shea

Anthony M DeNino

Augustine M. Menke

Ben Krakowka

Benjamin Philip Hursh

Bernard J Everett

Bernard F McCarthy

TIPS

LEGAL TERMS

FCBA

FAIR CREDIT BILLING ACT (FCBA)

CHAPTER 13 PLAN

GARNISHMENT

INFRINGEMENT (OF TRADEMARK)

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

FAIR CREDIT REPORTING ACT (FCRA)

COLLECTION AGENCY

SECURED DEBT

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