Dover Collection Lawyer, Florida

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Frank H Kerney Lawyer

Frank H Kerney

VERIFIED *Status is reviewed annually. For latest information visit here
Credit & Debt, Collection, Accident & Injury, Bankruptcy & Debt

Frank Kerney III is a managing partner of The Consumer Lawyers. Frank grew up in central New Jersey before moving to Florida to attend the University ... (more)

James W. Elliott Lawyer

James W. Elliott

VERIFIED *Status is reviewed annually. For latest information visit here
Bankruptcy & Debt, Foreclosure, Collection, Credit & Debt, Reorganization

James Elliott is a native of Tampa, Florida. After graduating from Tampa Jesuit High School, he attended the University of Florida where he received a... (more)

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813-223-0000

Mark V Levinson

Consumer Rights, Collection
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  33 Years

Zala Ladislaus Forizs

Complex Litigation, State Appellate Practice, Collection, Bankruptcy & Debt
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  55 Years

Kristi Neher Davisson

US Courts, Whistleblower, Collection, Personal Injury
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  27 Years

Ray C. Lopez

Collection, Criminal, DUI-DWI, Domestic Violence & Neglect
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  35 Years

James Salvatore Giardina

Bankruptcy & Debt, Collection, Credit & Debt, Consumer Protection, Accident & Injury
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           

Nathan Allan Wheatley

Litigation, Public Utilities, Collection, Bankruptcy
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  26 Years

E. Blake Paul

Collection, Personal Injury, Trusts, Land Use & Zoning, Estate
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           

Eva Mary Donohue

Lawsuit, Immigration, Collection, Bankruptcy
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  23 Years

Free Help: Use This Form or Call 800-814-6700

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LEGAL TERMS

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.

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.

PREFERENCE

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commer... (more...)
A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commercial creditors) and within one year for insider creditors (friends, family members, and business associates). Because a preference gives the creditor who received the payment an edge over other creditors in the bankruptcy case, the trustee can recover the preference (the amount of the payment) and distribute it among all of the creditors.

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.

CHAPTER 7 BANKRUPTCY

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 b... (more...)
The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 bankruptcy takes from three to six months, costs about $200, and commonly requires only one trip to the courthouse.

HOUSEHOLDER

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a ho... (more...)
A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a homestead exemption and possibly other exemptions relating to the maintenance of the household.

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.

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.

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)
An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

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