Webster Credit & Debt Lawyer, Texas

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Vicky Fealy
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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
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Staci Ann Griffin

Credit & Debt, Banking & Finance, Wills, Public Finance, Commercial Real Estate

Status: Licensed: 16 Years

CONTACT

711 W Bay Area Blvd, Webster, TX 77598

Michael Jayson Treece

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

Status: Licensed: 37 Years

CONTACT

1020 Bay Area Blvd, Houston, TX 77058

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

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

Dick Hoskins Gregg

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

Status: Licensed: 61 Years

CONTACT

16055 Space Center Blvd, Houston, TX 77062

Charles Edward Lobb

Bankruptcy & Debt, Litigation, Construction, Credit & Debt

Status:

CONTACT

2200 Space Park 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

Shirley Christianna Nallie-courtney

Credit & Debt, Insurance, Family Law, Estate, Litigation

Status: Licensed: 28 Years

CONTACT

Friendswood, TX 77549

Carl Jay Quezeda

Credit & Debt, Business & Trade, Gift Taxation, Litigation, Construction

Status: Licensed: 12 Years

CONTACT

106 E Willowick Ave, Friendswood, TX 77546

Kimberly D Bartley

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

Status: Licensed: 24 Years

CONTACT

15150 Middlebrook Dr, Houston, TX 77058

800-814-6700

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LEGAL TERMS

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

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.

UNSECURED DEBT

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only reme... (more...)

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only remedy is to sue you and get a judgment. Compare secured debt.

NONPROFIT CORPORATION

A legal structure authorized by state law allowing people to come together to either benefit members of an organization (a club, or mutual benefit society) or f... (more...)

A legal structure authorized by state law allowing people to come together to either benefit members of an organization (a club, or mutual benefit society) or for some public purpose (such as a hospital, environmental organization or literary society). Nonprofit corporations, despite the name, can make a profit, but the business cannot be designed primarily for profit-making purposes, and the profits must be used for the benefit of the organization or purpose the corporation was created to help. When a nonprofit corporation dissolves, any remaining assets must be distributed to another nonprofit, not to board members. As with for-profit corporations, directors of nonprofit corporations are normally shielded from personal liability for the organization's debts. Some nonprofit corporations qualify for a federal tax exemption under _ 501(c)(3) of the Internal Revenue Code, with the result that contributions to the nonprofit are tax deductible by their donors.

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

GENERAL PARTNER

A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the... (more...)

A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the business's debts and obligations. A general partner's actions can legally bind the entire business. See also partnership, limited partnership.

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.

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

HOUSEHOLDER

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a ho... (more...)

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a homestead exemption and possibly other exemptions relating to the maintenance of the household.

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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Webster Credit & Debt Lawyer, Texas

Sponsored Law Firm

The Fealy Law Firm, P.C.

SPONSORED LAWYERS

Staci Ann Griffin

Michael Jayson Treece

Douglas B. Wilson

Christopher Anderson Gregg

Dick Hoskins Gregg

Charles Edward Lobb

Kyle L. Dickson

Shirley Christianna Nallie-courtney

Carl Jay Quezeda

Kimberly D Bartley

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LEGAL TERMS

TRUTH IN LENDING ACT (TILA)

MEANS TEST

UNSECURED DEBT

NONPROFIT CORPORATION

GRACE PERIOD

GENERAL PARTNER

GUARANTEED RESERVATION

CREDIT REPORT

HOUSEHOLDER

SAMPLE LEGAL CASES

Eaves v. Unifund CCR Partners

Dulong v. Citibank (South Dakota), NA

Martinez v. Midland Credit Management, Inc.

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