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Gregory Fitzgerald
About | Practice Areas
Fitzgerald & Campbell, APLC
400 N. Tustin Avenue Suite 401 Santa Ana, CA 92705» view map
Bankruptcy & Debt
Lawyers Who Solve Serious Problems

We are a motivated, respected, and experienced law firm that provides affordable services that get results.

800-732-9061
1. Gregory Fitzgerald Santa Ana, CA
  Attorney at Law - CA, 1991
  Southern California College J.D. 19991
2. AboutFitzgerald & Campbell, APLC
  Over 25 years of experience.
3. Practice AreasExpertise
  Bankruptcy & Debt
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James R. Mehlhaff

Business Organization, Family Law, Collection, Banking & Finance

Status: In Good Standing

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23950 S. Chrisman Road, Tracy, CA 95304

Stephen H. Kim

Lawsuit & Dispute, Bankruptcy Litigation, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

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376A Main Street, Salinas, CA 93901

Robert Keith Reeve

Landlord-Tenant, Motor Vehicle, Criminal, Bankruptcy

Status: In Good Standing Licensed: 30 Years

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Campo Seco, CA 95252

Joseph Toshimi Sniezek

Government, Trusts, Family Law, Bankruptcy

Status: In Good Standing Licensed: 25 Years

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430 Crane Ave, Turlock, CA 95380

Axel Brando Gomez

Bankruptcy

Status: In Good Standing

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600 E Main St, Turlock, CA 95380

Richard Leonard Schneider

Litigation, Bankruptcy

Status: Inactive Licensed: 41 Years

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20844 Shrub Oak Dr, Patterson, CA 95363

Matthew Blake Wilson

International Tax, Bankruptcy, Contract, Health Care, Business

Status: In Good Standing Licensed: 10 Years

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1 University Cir, Turlock, CA 95382

Matthew Blake Wilson

International Tax, Bankruptcy, Contract, Health Care, Business

Status: In Good Standing Licensed: 16 Years

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1 University Cir, Turlock, CA 95382

Rosedeep Kaur Sangha

Bankruptcy & Debt, Estate, Immigration, Lawsuit & Dispute, Real Estate

Status: In Good Standing Licensed: 10 Years

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2921 Sandstone St, Turlock, CA 95382

David Dennis Haycraft

Education, Income Tax, Real Estate, Bankruptcy

Status: In Good Standing Licensed: 21 Years

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3368 N State Highway 59, Merced, CA 95348

800-923-0641

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LEGAL TERMS

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.

LIABILITY

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pi... (more...)

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pipe bursts the day after Paul installs it, ruining the bathroom floor. This raises the issue of liability: Who is responsible for the damage? Peri claims that Paul is responsible, and sues him for the cost of hiring another plumber to fix the pipe and replacing the floor. Paul, in turn, claims that the pipe manufacturer is responsible, because they supplied him with faulty materials. Both Peri and Paul must prove their claims in court; if Paul and/or the manufacturer is found liable, one or both will have to pay damages to Peri. (2) Something for which a person is liable. For example, a debt is often called a liability.

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.

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.

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.

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.

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.

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.

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

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Gustine Bankruptcy & Debt Lawyer, California

Sponsored Law Firm

Fitzgerald & Campbell, APLC

SPONSORED LAWYERS

James R. Mehlhaff

Stephen H. Kim

Robert Keith Reeve

Joseph Toshimi Sniezek

Axel Brando Gomez

Richard Leonard Schneider

Matthew Blake Wilson

Matthew Blake Wilson

Rosedeep Kaur Sangha

David Dennis Haycraft

TIPS

LEGAL TERMS

SECURED DEBT

LIABILITY

HOUSEHOLDER

SECRET WARRANTY PROGRAM

CREDIT BUREAU

IRS EXPENSES

BULK SALES LAW

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

MEETING OF CREDITORS

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