Polaris Reorganization Lawyer, Montana, page 7

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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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David Waters

General Practice

Status: Licensed: 45 Years

CONTACT

225 E. Reeder Street, Dillon, MT 59725

Jennifer Morgan

General Practice

Status:

CONTACT

270 Johnson Ave, Dillon, MT 59725

Hilary Oitzinger Betson

General Practice

Status:

CONTACT

22 N. Pacific Street, Dillon, MT 59725

J. Blaine Anderson

General Practice

Status: Licensed: 38 Years

CONTACT

310 E Sebree St, Dillon, MT 59725

Blaine J Anderson

General Practice

Status:

CONTACT

310 E. Sebree St, Dillon, MT 59725

J Blaine Anderson

General Practice

Status: Licensed: 38 Years

CONTACT

310 E Sebree St, Dillon, MT 59725

Patti L Rowland

General Practice

Status: Licensed: 38 Years

CONTACT

220 South Pacific Street, Dillon, MT 59725

Calli J. Michaels

General Practice

Status: Licensed: 11 Years

CONTACT

220 South Pacific Street, Dillon, MT 59725

Jed C Fitch

General Practice

Status: Licensed: 27 Years

CONTACT

2 S Pacific Street, Dillon, MT 59725

Russell Michaels

General Practice

Status: Licensed: 11 Years

CONTACT

2 S Pacific St, Dillon, MT 59725

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LEGAL TERMS

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.

DEBT COLLECTOR

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe... (more...)

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe. Debt collectors can be relentless, often using scare tactics, humiliation and repeated phone calls to extract payments or promises to pay.

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

BANKRUPTCY

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are ... (more...)

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are two types of bankruptcies -- liquidation, in which your debts are wiped out (discharged) and reorganization, in which you provide the court with a plan for how you intend to repay your debts. For both consumers and business, liquidation bankruptcy is called Chapter 7. For consumers, reorganization bankruptcy is called Chapter 13. Reorganization bankruptcy for consumers with an extraordinary amount of debt and for businesses is called Chapter 11. Reorganization bankruptcy for family farmers is called Chapter 12.

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.

DOING BUSINESS AS (DBA)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or ... (more...)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or similar document with the appropriate agency -- for example, the county clerk. This enables consumers to discover the names of the business owners, which is important if a consumer needs to sue the business.

FCBA

See Fair Credit Billing Act.

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.

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.

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Polaris Reorganization Lawyer, Montana, page 7

Sponsored Law Firm

Ralph W. Wilkerson Attorney at Law

SPONSORED LAWYERS

David Waters

Jennifer Morgan

Hilary Oitzinger Betson

J. Blaine Anderson

Blaine J Anderson

J Blaine Anderson

Patti L Rowland

Calli J. Michaels

Jed C Fitch

Russell Michaels

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LEGAL TERMS

COLLECTION AGENCY

DEBT COLLECTOR

SETOFF

BANKRUPTCY

DISPOSABLE INCOME

DOING BUSINESS AS (DBA)

FCBA

SECRET WARRANTY PROGRAM

DISCHARGEABLE DEBTS

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