Ashford Bankruptcy & Debt Lawyer, Washington

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John Anton Sterbick Lawyer

John Anton Sterbick

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Accident & Injury, Bankruptcy & Debt, Tax, Car Accident, Bankruptcy

For over 22 years, John A. Sterbick has been dedicated to providing thorough and experienced legal advice. Here at the Law Offices of John A. Sterbick... (more)

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Jason  Newcombe Lawyer

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Criminal, Divorce & Family Law, Bankruptcy & Debt, Accident & Injury, Traffic

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Helen M. Nowlin

Contract, Environmental Law Other, Land Use & Zoning, Consumer Bankruptcy
Status:  In Good Standing           Licensed:  16 Years

Steven Richard Levy

Bankruptcy, Personal Injury, Civil Rights, Family Law
Status:  Inactive           Licensed:  52 Years

Brandon Michael Skyles

Corporate, International Other, Commercial Bankruptcy, Business & Trade
Status:  In Good Standing           Licensed:  9 Years

Nancy Mckenney Allo

Estate Planning, Business & Trade, Commercial Bankruptcy, Bankruptcy
Status:  In Good Standing           Licensed:  32 Years

Kristi Linn Scholz-O'Leary

Contract, Land Use & Zoning, Commercial Bankruptcy, Business & Trade
Status:  In Good Standing           Licensed:  19 Years

Shannon M. W. Kraft

Landlord-Tenant, Estate Planning, Corporate, Bankruptcy
Status:  In Good Standing           Licensed:  31 Years

William F Wright

Land Use & Zoning, Dispute Resolution, Administrative Law, Commercial Bankruptcy
Status:  In Good Standing           Licensed:  23 Years

Douglas James Kaukl

Commercial Real Estate, Estate Planning, Bankruptcy, Personal Injury
Status:  Inactive           Licensed:  52 Years

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Lawyer.com can help you easily and quickly find Ashford Bankruptcy & Debt Lawyers and Ashford 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

TRADE NAME

The official name of a business, the one it uses on its letterhead and bank account when not dealing with consumers.

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.

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.

FRATERNAL BENEFIT SOCIETY BENEFITS

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal socie... (more...)
These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal societies that provide benefits. Also called benefit society, benevolent society or mutual aid association benefits. Under bankruptcy laws, these benefits are virtually always considered exempt property.

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.

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.

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.

CHAPTER 13 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)
The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.

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.