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Jacqueline A. Salcines Lawyer

Jacqueline A. Salcines

VERIFIED
Real Estate, Bankruptcy & Debt, Business, Lawsuit & Dispute

Jacqueline Salcines, Esq. was born and raised in Miami, Florida. She graduated high school from Our Lady of Lourdes Academy. She then went on to earn ... (more)

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305-669-5280

Kenneth Edward Walton Lawyer

Kenneth Edward Walton

VERIFIED
Real Estate, Business, Estate, Bankruptcy & Debt
Florida ... also provisionally licensed in Illinois

As the founding member of the firm, Mr. Walton concentrates his representation primarily in the areas of real estate litigation, real estate transacti... (more)

Abbie Barbara Cuellar Lawyer

Abbie Barbara Cuellar

VERIFIED
Collection, Credit & Debt

Abbie Cuellar is a practicing lawyer in the state of Florida handling collection and debt matters.

Andres  Montejo Lawyer

Andres Montejo

VERIFIED
Bankruptcy & Debt, Foreclosure, Bankruptcy, Credit & Debt, Collection

The Bankruptcy Law Center of Andres Montejo, in Miami - Fort Lauderdale specializes in bankruptcy law, foreclosure defense and mortgage modification. ... (more)

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CONTACT

800-947-7930

John J. Torikashvili Lawyer

John J. Torikashvili

VERIFIED
Criminal, Accident & Injury, Immigration, Contract, Bankruptcy & Debt

John J. Torikashvili is a practicing lawyer in the state of Florida.

Andrew Y. Winston Lawyer

Andrew Y. Winston

VERIFIED
Civil Rights, Medical Malpractice, Insurance, Consumer Bankruptcy, Mass Torts
Law Office of Andrew Winston represents individuals, families, & businesses who have been injured.

Law Office of Andrew Winston represents individuals, families, and small businesses who have been injured or have incurred losses due to the actions o... (more)

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CONTACT

800-722-8051

Robert William Murphy Lawyer

Robert William Murphy

VERIFIED
Consumer Rights, Real Estate, Motor Vehicle, Bankruptcy & Debt, Business

Consumer fraud attorney Robert Murphy is a trial lawyer who practices in the areas of consumer litigation in Florida and across the country. In over 2... (more)

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CONTACT

800-845-7961

Todd David Muhlstock Lawyer

Todd David Muhlstock

VERIFIED
Employment, Credit & Debt, Employee Rights, Accident & Injury, Wrongful Death

Mr. The Muhlstock is admitted to practice law in the Supreme Court of the United States of America; the United States Court of Appeals for the Second ... (more)

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CONTACT

516-974-9400

Jason Ari Smith Lawyer

Jason Ari Smith

VERIFIED
Business, Real Estate, Lawsuit & Dispute, Employment, Bankruptcy & Debt

Jason focuses his practice on complex civil litigation involving business and real estate matters. In his business litigation practice, Jason has exp... (more)

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CONTACT

800-734-8131

Michael H Johnson Lawyer

Michael H Johnson

VERIFIED
Bankruptcy & Debt

After over two decades of practicing law, attorney Michael H. Johnson has accumulated an expansive knowledge of bankruptcy law and effective solutions... (more)

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LEGAL TERMS

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.

FORBEARANCE

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily ... (more...)
Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily postponing or reducing the borrower's payments.

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.

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)
A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

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.

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.

SUBROGATION

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off i... (more...)
A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off its injured claimant takes the legal rights the claimant has against a third party that caused the injury, and sues that third party.

TRADE NAME

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

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.