West Salem Credit & Debt Lawyer, Ohio

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Kathleen  Donnelly Lawyer

Kathleen Donnelly

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Bankruptcy & Debt, Consumer Bankruptcy, Bankruptcy Litigation, Credit & Debt, Collection
Chapter 7 or 13 Bankruptcy

Clients want results & meaningful results. Our goal is to achieve those results through dedication, hard work and total commitment to professional exc... (more)

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Ronald N. Towne

Banking & Finance, Bankruptcy, Corporate, Credit & Debt
Status:  In Good Standing           

Edward S. Lake

Foreclosure, Credit & Debt, Bankruptcy, Bankruptcy & Debt
Status:  In Good Standing           

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Todd Alan Bobka

Credit & Debt, Consumer Bankruptcy, Bankruptcy, Bankruptcy & Debt
Status:  In Good Standing           

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Jeffrey L. Koberg

Landlord-Tenant, Foreclosure, Credit & Debt, Collection
Status:  In Good Standing           

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Kriss Delbert Felty

Commercial Real Estate, Credit & Debt, Bankruptcy, Bankruptcy & Debt
Status:  In Good Standing           Licensed:  42 Years

Sylvia Antalis Goldsmith

Child Custody, Misdemeanor, Credit & Debt, Collection
Status:  In Good Standing           Licensed:  29 Years

Peter Costello

Credit & Debt, Commercial Real Estate, Real Estate
Status:  In Good Standing           Licensed:  18 Years

F. Peter Costello

Commercial Real Estate, Real Estate, Credit & Debt
Status:  In Good Standing           Licensed:  22 Years

Brittany Rae Fitzgibbon

Federal Trial Practice, Employee Rights, Contract, Credit & Debt
Status:  In Good Standing           Licensed:  10 Years

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LEGAL TERMS

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)
A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

CREDIT BUREAU

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit... (more...)
A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit card companies that use the information to screen applicants for loans and credit cards. There are three major credit bureaus, Equifax, Experian and Trans Union, and they are regulated by the federal Fair Credit Reporting Act.

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.

TRADE DRESS

The distinctive packaging or design of a product that promotes the product and distinguishes it from other products in the marketplace -- for example, the shape... (more...)
The distinctive packaging or design of a product that promotes the product and distinguishes it from other products in the marketplace -- for example, the shape of Frangelico liqueur bottles. Trade dress can be protected under trademark law if a showing can be made that the average consumer would likely be confused as to product origin if another product were allowed to appear in similar dress.

WORKOUT

A debtor's plan to take care of a debt, by paying it off or through loan forgiveness. Workouts are often created to avoid bankruptcy or foreclosure proceedings.

CREDITOR

A person or entity (such as a bank) to whom a debt is owed.

BANKRUPTCY TRUSTEE

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is t... (more...)
A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is to gather the debtor's nonexempt property, liquidate it and distribute it proportionally to her creditors. In a Chapter 13 case, the trustee's role is to receive the debtor's monthly payments and distribute them proportionally to her creditors.

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.

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.

SAMPLE LEGAL CASES

Ford v. Ford Motor Credit Co.

... The result was that the account was returned to collections. Subsequently, Ford received letters from collections agencies and repeated phone 85 calls from those agencies, and the "bad debt" was placed on his credit report by FMCC. ...

Ham v. Ham

... Neither party filed objections to the magistrate's decision. On December 15, 2006, the magistrate sua sponte filed a Nunc Pro Tunc magistrate's decision to correct a mathematical error in the calculation of Daniel's credit card debt. ...

Home Depot USA, Inc. v. Levin

... Under the statute, the latter qualify for the bad-debt deduction. {¶ 19} This argument fails because vendors who extend credit themselves are not, with respect to bad debt, similarly situated to vendors like Home Depot, who hire financial institutions to extend credit. ...