Upatoi Bankruptcy & Debt Lawyer, Georgia

Sponsored Law Firm


Joseph W. Powell Lawyer

Joseph W. Powell

VERIFIED
Bankruptcy & Debt, Estate, Real Estate

Joseph Powell is a practicing lawyer in the state of Georgia.

William H. Arey

Real Estate, Family Law, Bankruptcy
Status:  Inactive           Licensed:  48 Years

Harry Owen Lee

Litigation, Bankruptcy, Bankruptcy & Debt
Status:  In Good Standing           Licensed:  31 Years

Nicholas Joseph Garcia

Education, Employee Rights, Bankruptcy
Status:  In Good Standing           Licensed:  9 Years

John T. Laney

Federal Trial Practice, Government, Credit & Debt, Bankruptcy
Status:  In Good Standing           Licensed:  59 Years

A. Kristin Hurst

Bankruptcy, Bankruptcy & Debt
Status:  In Good Standing           Licensed:  42 Years

Joel Philip Day

Real Estate, Federal Trial Practice, Insurance, Credit & Debt
Status:  In Good Standing           Licensed:  48 Years

Sam Dudley Hart

Workers' Compensation, Civil Rights, Contract, Credit & Debt
Status:  In Good Standing           Licensed:  36 Years

William L. Tucker

Consumer Rights, Insurance, Limited Liability Companies, Consumer Bankruptcy
Status:  In Good Standing           

Stephen G. Gunby

Bankruptcy, Bankruptcy & Debt
Status:  In Good Standing           Licensed:  46 Years

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

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800-943-8690

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

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LEGAL TERMS

FCBA

See Fair Credit Billing Act.

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)
A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

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.

GUARANTEED RESERVATION

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehic... (more...)
A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehicle for you no matter when you show up. If you have a guaranteed reservation with a hotel, it must provide you with a room, either at that hotel or at another comparable establishment. If you have a guaranteed reservation with a car agency, it must provide you with a vehicle. The downside of a guaranteed reservation is that if you don't show up and haven't cancelled your reservation, you will be billed for one night in the room or one day's use of the vehicle.

NONEXEMPT PROPERTY

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typicall... (more...)
The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typically includes valuable clothing (furs) and electronic equipment, an expensive car that's been paid off and most of the equity in your house. Compare exempt property.

NO-FAULT INSURANCE

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain ... (more...)
Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain amount, regardless of who was at fault. The effect of no-fault insurance laws is to eliminate lawsuits in small accidents. The advantage is the prompt payment of medical bills and expenses. The downsides are that the amounts paid by no-fault policies are often not enough to fully cover a person's losses and that no-fault does not compensate for pain and suffering.

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.

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.

COLLATERAL

Property that guarantees payment of a secured debt.

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