Springfield Credit & Debt Lawyer, Missouri


BJ  Richardson Lawyer

BJ Richardson

Divorce & Family Law, Family Law, Bankruptcy & Debt, Bankruptcy, Estate

Our attorneys in Springfield, MO have over 75 years of combined experience and have helped thousands of clients with their estate planning, bankruptcy... (more)

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CONTACT

417-234-1874

Douglas A. Parker

Child Support, Collection, Credit & Debt, Farms
Status:  In Good Standing           

Mark L. McQueary

Banking & Finance, Bankruptcy, Corporate, Business Organization
Status:  In Good Standing           

Jason D. Smith

Alimony & Spousal Support, Business Organization, Child Support, Collection
Status:  In Good Standing           
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John Deming Gore

Adoption, Alimony & Spousal Support, Bankruptcy, Child Support
Status:  In Good Standing           

Scott A. Smith

Adoption, Alimony & Spousal Support, Bankruptcy, Child Support
Status:  In Good Standing           

Samuel Michael Coring

Bankruptcy, Consumer Bankruptcy, Workout, Government Agencies
Status:  In Good Standing           

Jon Michael Gold

Consumer Bankruptcy, Workout, Disability, Foreclosure
Status:  In Good Standing           

William Oris Worsham

Criminal, Corporate, Business Organization, Bankruptcy
Status:  In Good Standing           

FREE CONSULTATION 

CONTACT

Robert Allen Grosser

Adoption, Alimony & Spousal Support, Child Support, Consumer Bankruptcy
Status:  In Good Standing           

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Free Help: Use This Form or Call 800-943-8690

Member Representative

Call me for fastest results!
800-943-8690

Free Help: Use This Form or Call 800-943-8690

By submitting this lawyer request, I confirm I have read and agree to the Consent to Receive Email, Phone, Text Messages, Terms of Use, and Privacy Policy. Information provided is not privileged or confidential.

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LEGAL TERMS

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.

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.

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.

COLLATERAL

Property that guarantees payment of a secured debt.

SOLE PROPRIETORSHIP

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, m... (more...)
A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, meaning that business profits are reported and taxed on the owner's personal tax return. Setting up a sole proprietorship is cheap and easy since no legal formation documents need be filed with any governmental agency (although tax registration and other permit and license requirements may still apply). Once you file a fictitious name statement (assuming you don't use your own name) and obtain any required basic tax permits and business licenses, you'll be in business. The main downside of a sole proprietorship is that its owner is personally liable for all business debts.

CREDIT FILE

See credit report.

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.

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.'

FCRA

See Fair Credit Reporting Act.

SAMPLE LEGAL CASES

STATE EX REL. KOSTER v. Professional Debt Management, LLC

... taken against alleged debtors; engaging in deception; engaging in unfair practice through unethical, oppressive and unscrupulous conduct in forcing consumers to choose between paying a debt they do not owe and having false collection information on their credit reports; and ...

STATE EX REL. KOSTER v. PROFESSIONAL DEBT MANAGEMENT, LLC

... taken against alleged debtors; engaging in deception; engaging in unfair practice through unethical, oppressive and unscrupulous conduct in forcing consumers to choose between paying a debt they do not owe and having false collection information on their credit reports; and ...

Capital One Bank v. EDISON CREDIT UNION

... When Capital One Bank sought to garnish a judgment debtor's funds held by Edison Credit Union, Edison refused to hold the garnished ... to benefits shall be exempt from levy, execution, attachment, or any other remedy whatsoever provided for the collection of debt; and benefits ...