Monterey County, CA Bankruptcy & 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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Stephen H. Kim

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

Status: In Good Standing

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376A Main Street, Salinas, CA 93901

Steven Michael Gordon

Construction, Real Estate, Litigation, Corporate, Credit & Debt

Status: In Good Standing

CONTACT

312 N Spring St, Spreckels, CA 93962

Gavin Elliot Kogan

Litigation, Contract, Credit & Debt, Bankruptcy

Status: In Good Standing Licensed: 25 Years

CONTACT

115 Cayuga St, Salinas, CA 93901

Clark Aston Miller

Real Estate, Divorce & Family Law, Business, Bankruptcy

Status: In Good Standing Licensed: 53 Years

CONTACT

44 W Alisal St, Salinas, CA 93901

Michael Gihei Adura Miranda

Motor Vehicle, Immigration, Divorce & Family Law, Bankruptcy & Debt

Status: In Good Standing Licensed: 17 Years

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127 East Alisal Street, Salinas, CA 93901

Geoffrey A. Norris

Civil Rights, Contract, Credit & Debt, Car Accident

Status: In Good Standing

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621 Forest Avenue, Pacific Grove, CA 93950

Jeremy Peck

Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

110 Webster St., Monterey, CA 93940

Christopher Jon Jackson

Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 29 Years

CONTACT

5 Via Joaquin, Monterey, CA 93940

Stephen Harry Kim

Real Estate, Wills & Probate, Civil Rights, Bankruptcy

Status: In Good Standing

CONTACT

115 Cayuga St, Salinas, CA 93901

Kari Desiree Rawlings-Hoyer

Litigation, Employee Rights, Corporate, Credit & Debt, Family Law

Status: In Good Standing Licensed: 18 Years

CONTACT

149 Bonifacio Pl, Monterey, CA 93940

800-923-0641

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LEGAL TERMS

NONEXEMPT PROPERTY

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typicall... (more...)

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typically includes valuable clothing (furs) and electronic equipment, an expensive car that's been paid off and most of the equity in your house. Compare exempt property.

FAIR CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

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.

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily fu... (more...)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily funded by voluntary donations from the creditors that receive payments from debtors repaying their debts through that office. Despite this criticism, most CCCS counselors provide clients with thorough and neutral advice.

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.

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.

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.

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.

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.

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Monterey County, CA Bankruptcy & Debt Lawyers

Sponsored Law Firm

Fitzgerald & Campbell, APLC

SPONSORED LAWYERS

Stephen H. Kim

Steven Michael Gordon

Gavin Elliot Kogan

Clark Aston Miller

Michael Gihei Adura Miranda

Geoffrey A. Norris

Jeremy Peck

Christopher Jon Jackson

Stephen Harry Kim

Kari Desiree Rawlings-Hoyer

TIPS

LEGAL TERMS

NONEXEMPT PROPERTY

FAIR CREDIT REPORTING ACT (FCRA)

LIABILITY

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

TRADE DRESS

TRUTH IN LENDING ACT (TILA)

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

GARNISHMENT

SECURED DEBT

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