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George Oliver
About | Practice Areas
Oliver & Cheek, PLLC
405 Middle Street New Bern, NC 28560» view map
Bankruptcy & Debt Law
Your Business Partner

Oliver & Cheek, PLLC is a full service business firm providing a wide range of legal services to clients in North Carolina.

252-633-1930
1. George Oliver New Bern, NC
  Attorney at Law- NJ, 1999
  University of North Carolina School of Law, J.D. 1999
2. AboutOliver & Cheek, PLLC
  Your Business Partner
3. Practice AreasExpertise
  Bankruptcy & Debt Law
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J. Christopher Jackson

Corporate, Collection, Constitutional Law, Contract

Status:

CONTACT

301 Glenwood Avenue, Raleigh, NC 27603

Richard D. Sparkman

Consumer Bankruptcy, Bankruptcy, Bankruptcy & Debt

Status: Licensed: 50 Years

CONTACT

Angier, NC 27501

George R. Murphy

Bankruptcy, Commercial Real Estate, Mass Torts, Civil Rights, Business

Status: Licensed: 52 Years

CONTACT

9 Park Place, Benson, NC 27504

Gordon E. Billheimer

General Practice

Status: Licensed: 44 Years

CONTACT

248 Mattera Drive, Clayton, NC 27527

Ralph Edward Cooper

Environmental Law Other, Elder Law, Administrative Law, Credit & Debt

Status: Licensed: 26 Years

CONTACT

629 E Main Street, Clayton, NC 27520

Victor A. Anderson

Construction, Employment, Business, Commercial Bankruptcy

Status: Licensed: 37 Years

CONTACT

203 Stone Lane, Clayton, NC 27520

Kristen Laurenti Zillioux

Real Estate Other, Real Estate, Bankruptcy

Status: Licensed: 30 Years

CONTACT

111 S Barbour Street, Clayton, NC 27520

Kyle Lewis

Criminal, Litigation, Construction, Collection, Estate

Status:

CONTACT

401 College Street, Clinton, NC 28328

Andrew John Dickerhoff

Civil & Human Rights, Estate, Collection, Trusts, Criminal

Status: Licensed: 8 Years

CONTACT

401 College Street, Clinton, NC 28328

Gregory T. Griffin

Motor Vehicle, Wills & Probate, Divorce & Family Law, Bankruptcy & Debt, Personal Injury

Status: Licensed: 46 Years

CONTACT

Clinton, NC 28329

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LEGAL TERMS

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

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.

NONEXEMPT PROPERTY

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typicall... (more...)

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typically includes valuable clothing (furs) and electronic equipment, an expensive car that's been paid off and most of the equity in your house. Compare exempt property.

CHAPTER 13 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

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.

FAIR LABOR STANDARDS ACT (FLSA)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements ... (more...)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements for overtime and places restrictions on child labor.

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.

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Faison Bankruptcy & Debt Lawyer, North Carolina

Sponsored Law Firm

Oliver & Cheek, PLLC

SPONSORED LAWYERS

J. Christopher Jackson

Richard D. Sparkman

George R. Murphy

Gordon E. Billheimer

Ralph Edward Cooper

Victor A. Anderson

Kristen Laurenti Zillioux

Kyle Lewis

Andrew John Dickerhoff

Gregory T. Griffin

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LEGAL TERMS

INTEREST

CHAPTER 7 BANKRUPTCY

NONEXEMPT PROPERTY

CHAPTER 13 BANKRUPTCY

COLLECTION AGENCY

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

CREDIT BUREAU

FAIR LABOR STANDARDS ACT (FLSA)

SETOFF

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