Stockton Credit & 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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Calvin Dean Zamansky

Consumer Bankruptcy, Workout, Credit & Debt

Status: In Good Standing

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540 Lennon Lane, Walnut Creek, CA 94598

Keith Robert Wood

Credit & Debt, Bankruptcy & Debt

Status: In Good Standing Licensed: 14 Years

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1810 Grand Canal Blvd, Stockton, CA 95207

Corrine Clementine May Bielejeski

Immigration, Estate, Credit & Debt, Bankruptcy

Status: In Good Standing Licensed: 18 Years

CONTACT

Discovery Bay, CA 94505

Douglas John Hartsough

Power of Attorney, Other, Real Estate, Credit & Debt

Status: In Good Standing Licensed: 36 Years

CONTACT

780 Cornsilk Ct, Brentwood, CA 94513

Jeeni Rae Casey

Commercial Real Estate, Litigation, Lawsuit & Dispute, Credit & Debt, Estate

Status: In Good Standing Licensed: 16 Years

CONTACT

928 Bel Passi Dr, Modesto, CA 95350

Julie Alice Richardson

Employee Rights, Elder Law, Administrative Law, Credit & Debt

Status: In Good Standing Licensed: 23 Years

CONTACT

931 10Th St, Modesto, CA 95354

John Wesley Villines

Corporate, Credit & Debt, International Trade, Agriculture

Status: Suspended Licensed: 27 Years

CONTACT

726 14Th St, Modesto, CA 95354

Donald Lee Cox

Employee Rights, Banking & Finance, Credit & Debt, Medical Malpractice

Status: In Good Standing

CONTACT

1709 Taft Ct, Antioch, CA 94509

Eric James Sousa

Agriculture, Trusts, Corporate, Credit & Debt

Status: In Good Standing Licensed: 20 Years

CONTACT

100 Sycamore Ave, Modesto, CA 95354

William Michael Halley

Credit & Debt, Personal Injury, Family Law, Trusts

Status: Inactive Licensed: 53 Years

CONTACT

1101 15Th St, Modesto, CA 95354

800-923-0641

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LEGAL TERMS

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.

BANKRUPTCY

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are ... (more...)

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are two types of bankruptcies -- liquidation, in which your debts are wiped out (discharged) and reorganization, in which you provide the court with a plan for how you intend to repay your debts. For both consumers and business, liquidation bankruptcy is called Chapter 7. For consumers, reorganization bankruptcy is called Chapter 13. Reorganization bankruptcy for consumers with an extraordinary amount of debt and for businesses is called Chapter 11. Reorganization bankruptcy for family farmers is called Chapter 12.

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.

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

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.

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

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 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.

UNDUE HARDSHIP

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in t... (more...)

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in the future to pay off the loan may be able to show that repayment would be an undue hardship.

SAMPLE LEGAL CASES

Komarova v. National Credit Acceptance, Inc.

... This lawsuit arises from the efforts of defendant National Credit Acceptance, Inc., to collect a consumer debt from plaintiff Anastasiya Komarova that she did not owe. ... The plaintiffs there, like plaintiff here, were pursued for payment of a credit card debt they did not owe. ...

Dey v. Continental Central Credit

... K. Dey appeals a judgment of dismissal entered after the court sustained without leave to amend the demurrer of Continental Central Credit (Continental) and ... et seq.) Dey contends he stated a cause of action based on a fee defendants charged him to collect a debt he owed a ...

Liceaga v. Debt Recovery Solutions, LLC

... Despite her pleas to the agency that she was a victim of identity theft and had no Sprint account, they appear to have disbelieved her and ultimately reported her "default" to several credit reporting agencies, without advising that the debt was contested, thus harming her credit ...

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Stockton Credit & Debt Lawyer, California

Sponsored Law Firm

Fitzgerald & Campbell, APLC

SPONSORED LAWYERS

Calvin Dean Zamansky

Keith Robert Wood

Corrine Clementine May Bielejeski

Douglas John Hartsough

Jeeni Rae Casey

Julie Alice Richardson

John Wesley Villines

Donald Lee Cox

Eric James Sousa

William Michael Halley

TIPS

LEGAL TERMS

GUARANTEED RESERVATION

BANKRUPTCY

GARNISHMENT

DISPOSABLE INCOME

PRESUMED ABUSE

GUARANTOR

LOSS DAMAGE WAIVER (LDW)

FAIR CREDIT REPORTING ACT (FCRA)

UNDUE HARDSHIP

SAMPLE LEGAL CASES

Komarova v. National Credit Acceptance, Inc.

Dey v. Continental Central Credit

Liceaga v. Debt Recovery Solutions, LLC

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