Rocky Point Bankruptcy & Debt Lawyer, North Carolina, page 2

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George Oliver
About | Practice Areas
Oliver & Cheek, PLLC
405 Middle Street New Bern, NC 28560» view map
Bankruptcy & Debt Law
Your Business Partner

Oliver & Cheek, PLLC is a full service business firm providing a wide range of legal services to clients in North Carolina.

252-633-1930
1. George Oliver New Bern, NC
  Attorney at Law- NJ, 1999
  University of North Carolina School of Law, J.D. 1999
2. AboutOliver & Cheek, PLLC
  Your Business Partner
3. Practice AreasExpertise
  Bankruptcy & Debt Law
1. Contact
2. Email
3. Refer
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Gregory K. Kornegay

Social Security -- Disability, Social Security, Government, Bankruptcy

Status:

CONTACT

Wilmington, NC 28402

Gary K. Shipman

Consumer Rights, Bankruptcy & Debt, Personal Injury, Medical Malpractice, Accident & Injury

Status: Licensed: 45 Years

CONTACT

575 Military Cutoff Road, Wilmington, NC 28405

Aileen Wu Viorel

Employment, Real Estate, Litigation, Commercial Bankruptcy

Status: Licensed: 18 Years

CONTACT

575 Military Cutoff Road, Wilmington, NC 28405

Judi Scott

Industry Specialties, Bankruptcy & Debt

Status: Licensed: 15 Years

CONTACT

644 Village Park Drive, Wilmington, NC 28405

Nathan Coleman

Entertainment, Civil Rights, Antitrust, Bankruptcy

Status:

CONTACT

700 Military Cutoff, Wilmington, NC 28405

Matthew Dennis Adams

Credit & Debt

Status: Licensed: 20 Years

CONTACT

801 Bedminister Lane, Wilmington, NC 28405

Grieg Robertson Alley

Divorce & Family Law, Business, Bankruptcy & Debt

Status: Licensed: 26 Years

CONTACT

701 N 4Th St, Wilmington, NC 28401

Edna C. Mceachern

Divorce & Family Law, Business, Bankruptcy & Debt

Status: Licensed: 37 Years

CONTACT

701 N 4Th St, Wilmington, NC 28401

Anthony L. Register

Landlord-Tenant, Divorce & Family Law, Bankruptcy & Debt, Property Damage, Business

Status: Licensed: 39 Years

CONTACT

701 North 4Th Street, Wilmington, NC 28401

Elijah Arron Thomas Huston

Divorce & Family Law, Credit & Debt

Status: Licensed: 10 Years

CONTACT

720 North Third Street, Wilmington, NC 28401

800-814-6700

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800-943-8690

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LEGAL TERMS

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.

TRADE NAME

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

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.

PREFERENCE

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commer... (more...)

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commercial creditors) and within one year for insider creditors (friends, family members, and business associates). Because a preference gives the creditor who received the payment an edge over other creditors in the bankruptcy case, the trustee can recover the preference (the amount of the payment) and distribute it among all of the creditors.

NONDISCHARGEABLE DEBTS

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chap... (more...)

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chapter 13 bankruptcy, the nondischargeable debts will have to be paid in full during your plan or you will have a balance at the end of your case. Examples of nondischargeable debts include alimony and child support, most income tax debts, many student loans and debts for personal injury or death caused by drunk driving. Compare dischargeable debts.

DISCHARGE (OF DEBTS)

A bankruptcy court's erasure of the debts of a person or business that has filed for bankruptcy.

BANKRUPTCY TRUSTEE

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is t... (more...)

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is to gather the debtor's nonexempt property, liquidate it and distribute it proportionally to her creditors. In a Chapter 13 case, the trustee's role is to receive the debtor's monthly payments and distribute them proportionally to her creditors.

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.

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.

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Rocky Point Bankruptcy & Debt Lawyer, North Carolina, page 2

Sponsored Law Firm

Oliver & Cheek, PLLC

SPONSORED LAWYERS

Gregory K. Kornegay

Gary K. Shipman

Aileen Wu Viorel

Judi Scott

Nathan Coleman

Matthew Dennis Adams

Grieg Robertson Alley

Edna C. Mceachern

Anthony L. Register

Elijah Arron Thomas Huston

TIPS

LEGAL TERMS

INTEREST

TRADE NAME

BANKRUPTCY

PREFERENCE

NONDISCHARGEABLE DEBTS

DISCHARGE (OF DEBTS)

BANKRUPTCY TRUSTEE

DISPOSABLE INCOME

SETOFF

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