Ben Lomond 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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Caleb Sequoia Baskin

Workers' Compensation, Bankruptcy, Construction, Education, Contract

Status: Licensed: 22 Years

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101 Cooper St, Santa Cruz, CA 95060

Angel L. Hess

Real Estate Other, Wills & Probate, Divorce & Family Law, Collection

Status: Licensed: 11 Years

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133 Mission Street, Santa Cruz, CA 95060

Laurel E. Loomer

Estate, Business, Tax, Firearms, Bankruptcy & Debt

Status: Licensed: 13 Years

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Los Gatos, CA 95031

Balam Osberto Letona

Motor Vehicle, Commercial Banks, Credit & Debt, Bankruptcy

Status: Licensed: 22 Years

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1146 Soquel Ave, Santa Cruz, CA 95063

Burl Stanley Polon

Gift Taxation, Credit & Debt, Bankruptcy, Bankruptcy & Debt

Status: Licensed: 45 Years

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2805 Porter St, Soquel, CA 95073

Edward Court Mcdonald

Commercial Real Estate, Litigation, Business, Credit & Debt

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15466 Los Gatos Blvd, Los Gatos, CA 95032

Creighton Mendivil

Mediation, Divorce, Elder Law, Collection

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314 Capitola Avenue, Capitola, CA 95010

Elaine Mei Seid

Wills, Trusts, Business, Bankruptcy

Status: Licensed: 49 Years

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15559 Union Ave No 225, Los Gatos, CA 95032

800-814-6700

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LEGAL TERMS

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

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.

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.

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.

CCCS

See Consumer Credit Counseling Service.

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.

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.

REPOSSESSION

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and ... (more...)

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and has not attempted to work with the lender to resolve the problem. A repossessor can't use force to get at your car, but he can legally hot-wire it and even drive it out of your unlocked garage.

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

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Ben Lomond Bankruptcy & Debt Lawyer, California

Sponsored Law Firm

Fitzgerald & Campbell, APLC

SPONSORED LAWYERS

Caleb Sequoia Baskin

Angel L. Hess

Laurel E. Loomer

Balam Osberto Letona

Burl Stanley Polon

Edward Court Mcdonald

Creighton Mendivil

Elaine Mei Seid

TIPS

LEGAL TERMS

LIEN

SUBROGATION

REAFFIRMATION

SECURED DEBT

CCCS

UNDUE HARDSHIP

PRESUMED ABUSE

REPOSSESSION

MEETING OF CREDITORS

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