Marshall County, TN Credit & Debt Lawyers

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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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Walter Bussart

Workers' Compensation, Products Liability, Personal Injury, Medical Malpractice

Status: In Good Standing Licensed: 59 Years

CONTACT

520 N Ellington Pkwy, Lewisburg, TN 37091

Barbara Medley

Family Law, Civil Rights, Insurance, Products Liability

Status: In Good Standing Licensed: 35 Years

CONTACT

111 W Commerce St, Lewisburg, TN 37091

Barbara Gillespie Medley

Family Law, Civil Rights, Insurance, Products Liability

Status: In Good Standing Licensed: 35 Years

CONTACT

111 W Commerce St, Lewisburg, TN 37091

Deborah Lynn Zimmerle

Divorce & Family Law, Criminal

Status: In Good Standing Licensed: 14 Years

CONTACT

205 W Commerce Street, Lewisburg, TN 37091

Billy Ostermann

Insurance, Elder Law, Family Law, Estate Planning

Status: In Good Standing Licensed: 12 Years

CONTACT

111 1St Ave South, Lewisburg, TN 37091

Walter Woods Bussart

Employment, Divorce & Family Law, Business, Accident & Injury

Status: In Good Standing Licensed: 59 Years

CONTACT

520 N Ellington Pkwy, Lewisburg, TN 37091

David John Mckenzie

Criminal, Insurance, Administrative Law, Accident & Injury

Status: In Good Standing Licensed: 19 Years

CONTACT

205 W Commerce St, Lewisburg, TN 37091

Jason Davis

Business & Trade, Disability, Family Law, Federal Appellate Practice

Status: In Good Standing Licensed: 14 Years

CONTACT

520 North Ellington Parkway, Lewisburg, TN 37091

William Roberts

General Practice

Status: In Good Standing Licensed: 41 Years

CONTACT

4861 Pyles Rd, Chapel Hill, TN 37034

Stephen Scott Bowden

Motor Vehicle, Estate, Divorce & Family Law, Accident & Injury

Status: In Good Standing Licensed: 52 Years

CONTACT

107 1St Ave South, Lewisburg, TN 37091

800-923-0641

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LEGAL TERMS

PRESUMED ABUSE

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means te... (more...)

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means test, the court will presume that the debtor has sufficient income to fund a Chapter 13 plan. In this situation, the debtor will not be allowed to proceed with a Chapter 7 bankruptcy unless the debtor can prove that he or she is not abusing the Chapter 7 bankruptcy remedy.

CHAPTER 7 BANKRUPTCY

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 b... (more...)

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 bankruptcy takes from three to six months, costs about $200, and commonly requires only one trip to the courthouse.

GUARANTEED RESERVATION

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehic... (more...)

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehicle for you no matter when you show up. If you have a guaranteed reservation with a hotel, it must provide you with a room, either at that hotel or at another comparable establishment. If you have a guaranteed reservation with a car agency, it must provide you with a vehicle. The downside of a guaranteed reservation is that if you don't show up and haven't cancelled your reservation, you will be billed for one night in the room or one day's use of the vehicle.

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.

CREDITOR

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

LOSS DAMAGE WAIVER (LDW)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it ofte... (more...)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it often duplicates coverage provided by the renter's regular car insurance and/or the credit card she uses to rent the car. Nevertheless, hard-sell practices by rental car agents often dupe people into buying LDWs they don't really need. LDW is also called 'collision damage waiver.'

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

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.

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.

SAMPLE LEGAL CASES

WASHINGTON MUTUAL BANK, FA v. ORNL FEDERAL CREDIT UNION

... The homeowners subsequently refinanced their home with a bank. The bank paid off the homeowners' debt to the credit union, and recorded its own deed of trust securing its loan. At that same time, the loan and deed of trust was assigned to a second bank. ...

PHOENIX CREDIT v. Akers

... Appellant obtained a credit card from Appellee's predecessor in interest, and defaulted on payment of the debt. ... Ms. Akers made payments on the credit card debt, including a payment of $136.00 on February 17, 2005, and a payment of $131.00 on March 18, 2005. ...

Ford Motor Credit Company v. Luna

... Luna asserted that the Marshall County courts lacked jurisdiction over Ford Credit's action because he had previously filed a lawsuit in federal court for violation of the Fair Debt Collection Practices Act, and because Ford Credit's action was filed in retaliation for his federal ...

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Marshall County, TN Credit & Debt Lawyers

Sponsored Law Firm

Fitzgerald & Campbell, APLC

SPONSORED LAWYERS

Walter Bussart

Barbara Medley

Barbara Gillespie Medley

Deborah Lynn Zimmerle

Billy Ostermann

Walter Woods Bussart

David John Mckenzie

Jason Davis

William Roberts

Stephen Scott Bowden

TIPS

LEGAL TERMS

PRESUMED ABUSE

CHAPTER 7 BANKRUPTCY

GUARANTEED RESERVATION

GARNISHMENT

CREDITOR

LOSS DAMAGE WAIVER (LDW)

FAIR CREDIT BILLING ACT (FCBA)

COLLECTION AGENCY

PREFERENCE

SAMPLE LEGAL CASES

WASHINGTON MUTUAL BANK, FA v. ORNL FEDERAL CREDIT UNION

PHOENIX CREDIT v. Akers

Ford Motor Credit Company v. Luna

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