Billings Bankruptcy & Debt Lawyer, Montana

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Ralph W. Wilkerson
About | Practice Areas
Ralph W. Wilkerson Attorney at Law
2722 3rd Avenue North Suite 400 Billings, MT 59101» view map
Bankruptcy & Debt
Get Help Starting Over

Allow our knowledgeable attorney to begin bankruptcy proceedings so you can put an end to harassing creditor phone calls.

800-785-0631
1. Ralph Wilkerson Billings, MT
  Attorney at Law - AZ, 1996
  University of Wyoming J.D. 1995
2. AboutRalph W. Wilkerson Attorney at Law
  Helping you in a variety of situations.
3. Practice AreasExpertise
  Bankruptcy & Debt
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Ralph W. Wilkerson

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Bankruptcy & Debt

Filing for bankruptcy is not ideal but it does provide immediate relief and a second chance at building your financial life. If your debt has becom... (more)

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CONTACT

800-785-0631

2722 3rd Avenue North, Billings, MT 59101

Eric Edward Nord

Franchising, Business Organization, Banking & Finance, Collection, Lawsuit & Dispute

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CONTACT

2708 1St Ave N, Billings, MT 59101

James A. Patten

Litigation, Medicare & Medicaid, Civil Rights, Bankruptcy & Debt

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CONTACT

2817 2Nd Ave N., Billings, MT 59101

Martin S. Smith

Bankruptcy, Lawsuit & Dispute, Real Estate, Criminal, Business

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CONTACT

208 N. Broadway, Billings, MT 59103

Joel E. Guthals

Corporate, Employee Rights, Reorganization, Banking & Finance

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175 North 27Th Street, Billings, MT 59103

Melanie Logan Rimel

Workers' Compensation, Insurance, Bankruptcy, Personal Injury

Status: Licensed: 38 Years

CONTACT

3545 Mac Duff Cir, Billings, MT 59101

Cory Thomas Harman

Credit & Debt, Traffic, Federal, Criminal, Legal Malpractice

Status: Licensed: 19 Years

CONTACT

2722 3Rd Ave N, Billings, MT 59101

James F. Rigby

Bankruptcy, Bankruptcy & Debt

Status: Licensed: 46 Years

CONTACT

5440 Gene Sarazen Dr, Billings, MT 59106

Trent Oram

Household Mold, Corporate, Collection

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CONTACT

490 North 31st Street, Billings, MT 59101

800-814-6700

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LEGAL TERMS

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.

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

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.

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.

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

FDCPA

See Fair Debt Collections & Practices Act.

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.

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.

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

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Billings Bankruptcy & Debt Lawyer, Montana

Sponsored Law Firm

Ralph W. Wilkerson Attorney at Law

SPONSORED LAWYERS

Ralph W. Wilkerson

Eric Edward Nord

James A. Patten

Martin S. Smith

Joel E. Guthals

Melanie Logan Rimel

Cory Thomas Harman

James F. Rigby

Trent Oram

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LEGAL TERMS

TRUTH IN LENDING ACT (TILA)

SETOFF

COSIGNER

REAFFIRMATION

REDEMPTION

FDCPA

FORBEARANCE

CURRENT MONTHLY INCOME

MEANS TEST

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