West Springfield Bankruptcy & Debt Lawyer, Massachusetts


Diana S. Velez Harris Lawyer

Diana S. Velez Harris

VERIFIED
Divorce & Family Law, Real Estate, Criminal, Estate, Bankruptcy & Debt

Attorney Velez Harris has focused her practice on high conflict family law and civil litigation matters for nearly 16 years, in Massachusetts and Conn... (more)

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CONTACT

413-732-8356

Tyler  Kimball Lawyer

Tyler Kimball

VERIFIED
Accident & Injury, Bankruptcy & Debt, Collection, Insurance

We can help. At Tyler S. Kimball Law, we help clients throughout Massachusetts get their lives back on track every day. Our attorney has been assistin... (more)

FREE CONSULTATION 

CONTACT

800-712-2890

Deirdre S. Gogel

Bankruptcy, Mental Health
Status:  In Good Standing           

FREE CONSULTATION 

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Kenneth J. Gogel

Complex Litigation, Commercial Bankruptcy, Bankruptcy Litigation, Bankruptcy
Status:  In Good Standing           Licensed:  35 Years
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Randy J. Milou

Collection, Car Accident, Civil Rights, Defect and Lemon Law
Status:  In Good Standing           

Sara Husseini

Workers' Compensation, Administrative Law, Collection, Animal Bite
Status:  In Good Standing           Licensed:  6 Years

Jay N. Michelman

Tax, Health Care Other, Wills & Probate, Collection, Personal Injury
Status:  In Good Standing           

Gerald Glasser

Divorce, Wills & Probate, Personal Injury, Bankruptcy
Status:  In Good Standing           Licensed:  46 Years

William O'Neil

Wills, DUI-DWI, Criminal, Bankruptcy
Status:  In Good Standing           

Gary M. Weiner

Litigation, Workout, Bankruptcy, Bankruptcy & Debt
Status:  In Good Standing           Licensed:  35 Years

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

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

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Lawyer.com can help you easily and quickly find West Springfield Bankruptcy & Debt Lawyers and West Springfield Bankruptcy & Debt Law Firms. Refine your search by specific Bankruptcy & Debt practice areas such as Bankruptcy, Collection, Credit & Debt, Reorganization and Workout matters.

LEGAL TERMS

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.

FORBEARANCE

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily ... (more...)
Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily postponing or reducing the borrower's payments.

BULK SALES LAW

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to ... (more...)
A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to conduct a bulk sale of business assets -- that is, get rid of an unusually large amount of inventory, merchandise or equipment -- the business owner must typically publish a notice of the sale and give written notice to creditors. Then, the owner must set up an account to hold the funds from the sale for a brief period of time during which creditors may make claims against the money. The prohibition against bulk sales is spelled out in the Uniform Commercial Code -- and laws modeled on the UCC have been generally adopted throughout the country.

PREFERENCE

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commer... (more...)
A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commercial creditors) and within one year for insider creditors (friends, family members, and business associates). Because a preference gives the creditor who received the payment an edge over other creditors in the bankruptcy case, the trustee can recover the preference (the amount of the payment) and distribute it among all of the creditors.

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)
A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

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.

ABUSE

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because ... (more...)
Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because the debtor appears to have enough disposable income to fund a Chapter 13 repayment plan.

COLLATERAL

Property that guarantees payment of a secured debt.

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemp... (more...)
In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemptible because it has been damaged or destroyed.

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