Merritt Island Bankruptcy & Debt Lawyer, Florida, page 2

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James Turner
About | Practice Areas
N. James Turner, Attorney at Law
100 S. Bumby Avenue Orlando, FL 32803» view map
Bankruptcy & Debt Law
Debt Collection Defense

Consumer Rights Attorney – providing affordable legal services for debt collector harassment, and debt collection defense

888-877-5103
1. James Turner Orlando, FL
  Attorney at Law, FL
  University of Miami School of Law, J.D. 1975
2. AboutN. James Turner, Attorney at Law
  Debt Collection Defense
3. Practice AreasExpertise
  Bankruptcy & Debt Law
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Michael Anthony Saracco

Workers' Compensation, Elder Law, Contract, Credit & Debt

Status: In Good Standing Licensed: 12 Years

CONTACT

520 Brevard Ave, Cocoa, FL 32922

Neil Jay Buchalter

Tax, Foreclosure, Bankruptcy

Status: In Good Standing Licensed: 45 Years

CONTACT

2395 N Courtenay Pkwy, Merritt Island, FL 32953

Kenneth Erwin Rhoden

General Practice

Status: In Good Standing Licensed: 39 Years

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881 Barton Blvd, Rockledge, FL 32955

Lawrence Bernard Kenkel

Bankruptcy, Litigation, Trusts, Commercial Real Estate

Status: In Good Standing Licensed: 45 Years

CONTACT

1200 Old Parsonage Dr, Merritt Island, FL 32952

Tara Marie Warrington

Business, Bankruptcy, Business & Trade, Litigation

Status: In Good Standing Licensed: 16 Years

CONTACT

3270 Suntree Blvd, Melbourne, FL 32940

Lauren Taylor Buchalter

Tax, Bankruptcy

Status: In Good Standing Licensed: 12 Years

CONTACT

2395 N Courtenay Pkwy, Merritt Island, FL 32953

Paul F Daley

Bankruptcy & Debt, Credit & Debt, Collection, Bankruptcy

Status: In Good Standing Licensed: 18 Years

CONTACT

7331 Office Park Place, Melbourne, FL 32940

James Jay Armstrong

International Other, State Appellate Practice, Federal Appellate Practice, Consumer Bankruptcy

Status: In Good Standing Licensed: 59 Years

CONTACT

2740 Camberly Cir, Melbourne, FL 32940

Bethanne Cutshall

Education, Family Law, Insurance, Credit & Debt

Status: In Good Standing Licensed: 16 Years

CONTACT

7165 Murrell Rd, Melbourne, FL 32940

Gina Marie Schlegel

Divorce & Family Law, Bankruptcy & Debt, Bankruptcy, Divorce

Status: In Good Standing Licensed: 25 Years

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3700 North Harbor City Boulevard, Melbourne, FL 32935

800-923-0641

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LEGAL TERMS

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 PLAN

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to ... (more...)

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to pay all mandatory debts -- for example, back child support, taxes, and mortgage arrearages -- as well as some or all unsecured, nonpriority debts, such as medical and credit card bills.

401(K) PLAN

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income ... (more...)

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income taxes on the amount invested and any earnings are due until the employee withdraws money from the fund.

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.'

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

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.

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.

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.

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.

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Merritt Island Bankruptcy & Debt Lawyer, Florida, page 2

Sponsored Law Firm

N. James Turner, Attorney at Law

SPONSORED LAWYERS

Michael Anthony Saracco

Neil Jay Buchalter

Kenneth Erwin Rhoden

Lawrence Bernard Kenkel

Tara Marie Warrington

Lauren Taylor Buchalter

Paul F Daley

James Jay Armstrong

Bethanne Cutshall

Gina Marie Schlegel

TIPS

LEGAL TERMS

CREDIT BUREAU

CHAPTER 13 PLAN

401(K) PLAN

LOSS DAMAGE WAIVER (LDW)

MEANS TEST

UNSECURED DEBT

SECRET WARRANTY PROGRAM

IRS EXPENSES

GRACE PERIOD

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