Elko Credit & Debt Lawyer, Nevada

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Richard Gridley Barrows

Estate, Wills & Probate, Trusts, Business Organization
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  52 Years

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David B. Lockie

Government, Wrongful Termination, DUI-DWI, Criminal, Agriculture
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           

Sherburne M Macfarlan

Criminal, DUI-DWI
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           

Denise A. Bradshaw

Personal Injury, Personal Injury, Medical Malpractice, Accident & Injury, Accident & Injury
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           

Barbara W. Gallagher

Workers' Compensation, Criminal, Personal Injury, Medical Malpractice, Animal Bite
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  31 Years

Kathleen H. Mcconnell

Landlord-Tenant, Traffic, Visa, Criminal, Medical Malpractice
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  20 Years

Robert J. Wines

Power of Attorney, Commercial Real Estate, Wills & Probate, Estate Planning, Corporate
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           

Mark Spencer Mills

General Practice
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  16 Years

Craig W. Kidwell

Mass Torts, Workers' Compensation, Employment, Personal Injury, Accident & Injury
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           

Shawn K. Jones

Industry Specialties, Workers' Compensation, Criminal, Civil Rights
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  18 Years

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

Member Representative

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800-814-6700

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

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LEGAL TERMS

DISCHARGE (OF DEBTS)

A bankruptcy court's erasure of the debts of a person or business that has filed for bankruptcy.

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.

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.

DEBIT CARD

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can ... (more...)
A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can also be used at stores to pay for goods and services in place of a check. Unlike a credit card, a debit card automatically withdraws money from your checking account at the time of the transaction. Debit cards are regulated by the Electronic Funds Transfer Act.

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.

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.

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.

ACCORD AND SATISFACTION

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collectin... (more...)
An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collecting as much money as they can from debtors who cannot pay the full amount.

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.

SAMPLE LEGAL CASES

Walters v. Eighth Judicial Dist. Court

... the requirements of NRS 40.430 (the one-action rule), "which provides that a creditor can pursue only one action to recover a debt secured by a ... In December 2008, a trustee's sale was held for Stallion Mountain, and CBN purchased the property with a credit bid of $5 million. ...

Fields v. State

... the debt owed on the Silver Dollar Bar, and the state of the bankruptcy lift-stay proceedings were not contested. In December of 2003, when Palensky disappeared, the Fieldses did not have enough money to pay their ranch hand, Mackley, and could no longer buy hay on credit. ...

Fields v. State

... the debt owed on the Silver Dollar Bar, and the state of the bankruptcy lift-stay proceedings were not contested. In December of 2003, when Palensky disappeared, the Fieldses did not have enough money to pay their ranch hand, Mackley, and could no longer buy hay on credit. ...

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