Seabrook Credit & Debt Lawyer, Texas

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Vicky Fealy
F.A.Q. | Contact Us
The Fealy Law Firm, P.C.
1235 North Loop West Suite 1005 Houston, TX 77008 » view map
Bankruptcy, Judgments, & Foreclosures
Houtson Bankruptcy Lawyers

Helping clients take control of their finances, for more that years. Board Certified in Consumer Bankruptcy by the Texas Board of Legal Specialization.

800-810-9591
1. Vicky Fealy Houston, TX
  Attorney At Law - Texas, 1991
  University of Houston Law Center, J.D.
2. Frequently Asked Questions
  Bankruptcy Frequently Asked Questions
3. Contact UsEmail or Call 24/7
  Timing is often critical and you really need to seek advice early.
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Pamela S. Hoerster

Credit & Debt, Clean Air Practice, Admiralty & Maritime, Arbitration, Mediation

Status: Licensed: 40 Years

CONTACT

2600 S Shore Blvd, League City, TX 77573

David John Booth

Personal Injury, Credit & Debt, Insurance, Employee Rights, Oil & Gas

Status:

CONTACT

2525 S Shore Blvd, League City, TX 77573

Marc H. Schneider

Credit & Debt, Non-profit, Wills, Health Care Other, Business & Trade

Status:

CONTACT

15150 Middlebrook Dr, Houston, TX 77058

Kimberly D Bartley

Bankruptcy, Credit & Debt, Business & Trade, Criminal, Estate Planning

Status: Licensed: 24 Years

CONTACT

15150 Middlebrook Dr, Houston, TX 77058

Kyle L. Dickson

Credit & Debt, Administrative Law, Science, Technology & Internet, Litigation, Construction

Status: Licensed: 35 Years

CONTACT

2200 Space Park Dr, Houston, TX 77058

Charles Edward Lobb

Bankruptcy & Debt, Litigation, Construction, Credit & Debt

Status:

CONTACT

2200 Space Park Dr, Houston, TX 77058

Dick Hoskins Gregg

Credit & Debt, Administrative Law, Family Law, Commercial Real Estate

Status: Licensed: 61 Years

CONTACT

16055 Space Center Blvd, Houston, TX 77062

Christopher Anderson Gregg

Credit & Debt, Administrative Law, Wills, Commercial Real Estate, Business & Trade

Status: Licensed: 29 Years

CONTACT

16055 Space Center Blvd, Houston, TX 77062

Douglas B. Wilson

Household Mold, Credit & Debt, Insurance, Clean Air Practice, Dispute Resolution

Status: Licensed: 56 Years

CONTACT

1300 Bay Area Blvd, Houston, TX 77058

Michael Jayson Treece

Bankruptcy & Debt, Real Estate, Commercial Real Estate, Credit & Debt

Status: Licensed: 37 Years

CONTACT

1020 Bay Area Blvd, Houston, TX 77058

800-814-6700

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LEGAL TERMS

CREDIT FILE

See credit report.

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.

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.

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.

S CORPORATION

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status fro... (more...)

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status from the Internal Revenue Service. Electing to do business as an S corporation lets shareholders enjoy limited liability status, as would be true of any corporation, but be taxed like a partnership or sole proprietor. That is, instead of being taxed as a separate entity (as would be the case with a regular or C corporation) an S corporation is a pass-through tax entity: income taxes are reported and paid by the shareholders, not the S corporation. To qualify as an S corporation a number of IRS rules must be met, such as a limit of 75 shareholders and citizenship requirements.

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

REAFFIRMATION

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing deb... (more...)

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing debt after the bankruptcy case is over. For instance, a debtor might make a reaffirmation agreement with the holder of a car note that the debtor can keep the car and must continue to pay the debt after bankruptcy.

LOSS DAMAGE WAIVER (LDW)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it ofte... (more...)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it often duplicates coverage provided by the renter's regular car insurance and/or the credit card she uses to rent the car. Nevertheless, hard-sell practices by rental car agents often dupe people into buying LDWs they don't really need. LDW is also called 'collision damage waiver.'

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.

SAMPLE LEGAL CASES

Eaves v. Unifund CCR Partners

... Tommy L. Eaves appeals the jury's verdict against him in Unifund CCR Partners ("Unifund Partners") suit to collect unpaid credit-card debt. We affirm. BACKGROUND. Citibank issued an AT & T credit card to Eaves, and Eaves made purchases with the card. ...

Dulong v. Citibank (South Dakota), NA

... 892 OPINION. Opinion by Justice RICHTER. This case involves a traditional summary judgment in a credit card debt collection matter. Citibank (South Dakota), NA ("Citibank") sued Donna Dulong to recover the balance owed on a credit card (the "Credit Card"). ...

Martinez v. Midland Credit Management, Inc.

... denied), argued that Midland was not entitled to proceed on a sworn account theory to recover a credit card debt. At the hearing on Martinez's Motion for New Trial, Midland argued that its claim was one for breach of contract. ...

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Seabrook Credit & Debt Lawyer, Texas

Sponsored Law Firm

The Fealy Law Firm, P.C.

SPONSORED LAWYERS

Pamela S. Hoerster

David John Booth

Marc H. Schneider

Kimberly D Bartley

Kyle L. Dickson

Charles Edward Lobb

Dick Hoskins Gregg

Christopher Anderson Gregg

Douglas B. Wilson

Michael Jayson Treece

TIPS

LEGAL TERMS

CREDIT FILE

CHAPTER 13 PLAN

UNDUE HARDSHIP

WINDING UP

S CORPORATION

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

REAFFIRMATION

LOSS DAMAGE WAIVER (LDW)

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

SAMPLE LEGAL CASES

Eaves v. Unifund CCR Partners

Dulong v. Citibank (South Dakota), NA

Martinez v. Midland Credit Management, Inc.

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