San Juan Bautista Bankruptcy & Debt Lawyer, California

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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

Louis Riccardo Giuliano

Family Law, Constitutional Law, Contract, Bankruptcy

Status: In Good Standing Licensed: 28 Years

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339 7Th St, Hollister, CA 95023

H W Martin

Credit & Debt

Status: In Good Standing Licensed: 20 Years

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315 Main St, Watsonville, CA 95076

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

Gavin Elliot Kogan

Litigation, Contract, Credit & Debt, Bankruptcy

Status: In Good Standing Licensed: 25 Years

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115 Cayuga St, Salinas, CA 93901

Clark Aston Miller

Real Estate, Divorce & Family Law, Business, Bankruptcy

Status: In Good Standing Licensed: 53 Years

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44 W Alisal St, Salinas, CA 93901

Stephen Harry Kim

Real Estate, Wills & Probate, Civil Rights, Bankruptcy

Status: In Good Standing

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115 Cayuga St, Salinas, CA 93901

Robert C Kim

Federal, Employment Discrimination, Corporate, Collection

Status: In Good Standing Licensed: 28 Years

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180 Westgate Dr, Watsonville, CA 95076

Kendra Clark

Antitrust, International Other, Commercial Bankruptcy, Intellectual Property, Litigation

Status: In Good Standing Licensed: 24 Years

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318 Cayuga Street, Salinas, CA 93902

Warren E Eraut

Civil Rights, Corporate, Credit & Debt, Contract

Status: In Good Standing Licensed: 53 Years

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38 Seascape Vlg, Aptos, CA 95003

800-923-0641

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LEGAL TERMS

DEFINED CONTRIBUTION PLAN

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount ... (more...)

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount every month, or every year, for each employee. The employer usually pays a fixed percentage of an employee's wages or salary, although sometimes the amount is a fraction of the company's profits, with the size of each employee's pension share depending on the amount of wage or salary. Upon retirement, each employee's pension is determined by how much was contributed to the fund on behalf of that employee over the years, plus whatever earnings that money has accumulated as part of the investments of the entire pension fund.

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.

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

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.'

REAFFIRMATION

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing deb... (more...)

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing debt after the bankruptcy case is over. For instance, a debtor might make a reaffirmation agreement with the holder of a car note that the debtor can keep the car and must continue to pay the debt after bankruptcy.

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.

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.

ADMINISTRATIVE EXPENSES

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Admi... (more...)

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Administrative costs are typically 10% of the debtor's total payments under the plan.

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.

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San Juan Bautista Bankruptcy & Debt Lawyer, California

Sponsored Law Firm

Fitzgerald & Campbell, APLC

SPONSORED LAWYERS

Stephen H. Kim

Louis Riccardo Giuliano

H W Martin

Michael Gihei Adura Miranda

Gavin Elliot Kogan

Clark Aston Miller

Stephen Harry Kim

Robert C Kim

Kendra Clark

Warren E Eraut

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LEGAL TERMS

DEFINED CONTRIBUTION PLAN

CHAPTER 13 PLAN

COSIGNER

LOSS DAMAGE WAIVER (LDW)

REAFFIRMATION

IRS EXPENSES

FAIR CREDIT REPORTING ACT (FCRA)

ADMINISTRATIVE EXPENSES

CREDIT BUREAU

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