Warwick Bankruptcy Lawyer, Rhode Island, page 2

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Joseph Botelho
About | Practice Areas
Botelho Law Group
901 Eastern Ave Suite 2 Fall River, MA 02723» view map
Bankruptcy & Debt Law
Fall River Lawyers

At the Botelho Law Group we have several attorneys, with different specializations; to help your case’s individual needs.

800-229-5331
1. Joseph Botelho Fall River, MA
  Attorney at Law- MA, 2000
  University of Massachusetts School of Law, J.D. 2000
2. AboutBotelho Law Group
  Fall River Lawyers
3. Practice AreasExpertise
  Bankruptcy & Debt Law
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Includes: Bankruptcy Litigation, Commercial Bankruptcy, Consumer Bankruptcy, Dissolution

Richard T. Gallone

Education, Civil Rights, Bankruptcy, Personal Injury, Accident & Injury

Status: In Good Standing

CONTACT

1329 Jefferson Boulevard, Warwick, RI 02886

Mitchell S. Riffkin

Divorce & Family Law, Misdemeanor, Bankruptcy, Property Damage

Status: In Good Standing

CONTACT

631 Jefferson Blvd, Warwick, RI 02886

George W. Shuster

Real Estate, Government, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 24 Years

CONTACT

15 River Vue Avenue, Warwick, RI 02889

Eric T. Grande

Credit & Debt, Bankruptcy, Bankruptcy & Debt, Medical Malpractice

Status: In Good Standing

CONTACT

303 Jefferson Blvd, Warwick, RI 02888

Jason D. Monzack

Lawsuit & Dispute, Estate, Bankruptcy, Personal Injury

Status: In Good Standing

CONTACT

117 Metro Center Blvd, Warwick, RI 02886

Joseph R. Daigle

Landlord-Tenant, Immigration, Pension & Benefits, Bankruptcy

Status: In Good Standing

CONTACT

108 Haverhill Avenue, Warwick, RI 02886

Everett A. Petronio

Real Estate, Government, Business, Bankruptcy

Status: In Good Standing

CONTACT

931 Jefferson Blvd, Warwick, RI 02886

Kerrin L. Pollock

Lawsuit & Dispute, Government, Bankruptcy, Accident & Injury

Status: In Good Standing

CONTACT

3384 Post Rd, Warwick, RI 02886

Joel K. Gerstenblatt

Landlord-Tenant, Child Custody, Bankruptcy, Wrongful Death, Personal Injury

Status: In Good Standing

CONTACT

100 Jefferson Boulevard, Warwick, RI 02888

Stephen H. Marsella

Commercial Real Estate, Commercial Bankruptcy

Status: In Good Standing

CONTACT

70 Jefferson Blvd., Warwick, RI 02888

800-923-0641

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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.

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.

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

SECURED DEBT

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collater... (more...)

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collateral, to satisfy the debt if you default. Compare unsecured debt.

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

REPOSSESSION

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and ... (more...)

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and has not attempted to work with the lender to resolve the problem. A repossessor can't use force to get at your car, but he can legally hot-wire it and even drive it out of your unlocked garage.

INFRINGEMENT (OF TRADEMARK)

Unauthorized use of a protected trademark or service mark, or use of something very similar to a protected mark. The success of a lawsuit to stop the infringeme... (more...)

Unauthorized use of a protected trademark or service mark, or use of something very similar to a protected mark. The success of a lawsuit to stop the infringement turns on whether the defendant's use causes a likelihood of confusion in the average consumer. If a court determines that the average consumer would be confused, the owner of the original mark can prevent the other's use of the infringing mark and sometimes collect damages.

PRESUMED ABUSE

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means te... (more...)

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means test, the court will presume that the debtor has sufficient income to fund a Chapter 13 plan. In this situation, the debtor will not be allowed to proceed with a Chapter 7 bankruptcy unless the debtor can prove that he or she is not abusing the Chapter 7 bankruptcy remedy.

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

SAMPLE LEGAL CASES

Kirshenbaum v. Fidelity Federal Bank

... In that same letter, plaintiff stated that he "wanted a discharge of the Mortgage and a notation on the Promissory Note that it was paid in full." He further indicated that it was his understanding that the Araujos were planning to declare bankruptcy and that, if he had "documents ...

Malinou v. Seattle Sav. Bank

... The Bankruptcy Court approved an amended plan; however, after decedent again failed to comply with the plan, the trustee filed a motion to dismiss the case. [3]. The decedent died in January 2003, and the bankruptcy case was dismissed the next month. ...

Pearson v. Pearson

... and the remaining balance shall be the responsibility of [Pearson], and he shall pay said balance and hold [Marion] harmless on same." Paragraph 7 also specified, seemingly predictive of later events, that "[t]hese obligations shall not be discharged in bankruptcy as it is ...

Warwick Bankruptcy Lawyer, Rhode Island, page 2

Sponsored Law Firm

Botelho Law Group

SPONSORED LAWYERS

Richard T. Gallone

Mitchell S. Riffkin

George W. Shuster

Eric T. Grande

Jason D. Monzack

Joseph R. Daigle

Everett A. Petronio

Kerrin L. Pollock

Joel K. Gerstenblatt

Stephen H. Marsella

TIPS

LEGAL TERMS

INTEREST

SETOFF

LIEN

SECURED DEBT

FAIR CREDIT BILLING ACT (FCBA)

REPOSSESSION

INFRINGEMENT (OF TRADEMARK)

PRESUMED ABUSE

COSIGNER

SAMPLE LEGAL CASES

Kirshenbaum v. Fidelity Federal Bank

Malinou v. Seattle Sav. Bank

Pearson v. Pearson

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