Evans Bankruptcy & Debt Lawyer, Washington

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Pamela R. Folickman

Divorce, Bankruptcy & Debt
Status:  In Good Standing           Licensed:  29 Years

Pamela Reese Lamica

Federal, DUI-DWI
Status:  In Good Standing           Licensed:  9 Years

Sidney Russell Buckley

General Practice
Status:  Deceased           Licensed:  75 Years

Donald J. Disque

Dispute Resolution, Divorce, Contract
Status:  Deceased           Licensed:  66 Years

Catherine M. Merrill

Family Law, Divorce & Family Law
Status:  In Good Standing           Licensed:  49 Years

Torinto Marasco

Litigation, Estate Planning, Insurance, Personal Injury
Status:  In Good Standing           Licensed:  18 Years

Torinto Marasco

Litigation, Estate Planning, Insurance, Personal Injury
Status:  In Good Standing           Licensed:  18 Years

Terry L Williams

Family Law, Divorce & Family Law, Disability, Civil & Human Rights
Status:  In Good Standing           Licensed:  32 Years

Chris Alan Montgomery

Estate Planning, Elder Law, Insurance, Collection
Status:  In Good Standing           Licensed:  43 Years

Robert Alan Simeone

Workers' Compensation, Criminal, Bankruptcy, Personal Injury
Status:  In Good Standing           Licensed:  43 Years

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

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LEGAL TERMS

CREDITOR

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

REAFFIRMATION

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing deb... (more...)
An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing debt after the bankruptcy case is over. For instance, a debtor might make a reaffirmation agreement with the holder of a car note that the debtor can keep the car and must continue to pay the debt after bankruptcy.

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)
A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

CREDIT FILE

See credit report.

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.

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)
As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)
A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

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.

DEBIT CARD

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can ... (more...)
A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can also be used at stores to pay for goods and services in place of a check. Unlike a credit card, a debit card automatically withdraws money from your checking account at the time of the transaction. Debit cards are regulated by the Electronic Funds Transfer Act.