Garland Credit & Debt Lawyer, Texas

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Benjamin Sanchez
About | Practice Areas
Sanchez Law Firm
150 W. Parker Rd. 3rd Floor Houston, TX 77076» view map
Real Estate
Excellence In Action

We advocate for our clients in and out of court. When you and the system meet head on, you need an attorney who is experienced, credible, and active.

800-785-3351
1. Benjamin Sanchez Houston, TX
  Attorney at Law - TX, 1998
  University of Houston J.D. 1997
2. AboutSanchez Law Firm
  Excellence In Action
3. Practice AreasExpertise
  Real Estate
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Jennifer A. Mitchell

Landlord-Tenant, Banking & Finance, Credit & Debt, Bankruptcy

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12801 North Central Expy., Dallas, TX 75243

Andrew F. Emerson

Banking & Finance, Construction, Litigation, Credit & Debt

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8350 N. Central Expressway, Campbell Centre I, Dallas, TX 75206

Chris R. Norris

Litigation, Insurance, Credit & Debt, Bankruptcy

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500 North Central Expressway, Plano, TX 75074

Cynthia Johnson Rerko

Banking & Finance, Bankruptcy, Corporate, Credit & Debt

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2605 Hibernia St,, Dallas, TX 75204

Cynthia Ann Spencer

Commercial Real Estate, Litigation, Business & Trade, Credit & Debt

Status: Licensed: 42 Years

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1102 Main St, Garland, TX 75040

Ugalahi Ugy Agbo Claire Offoboche

Workers' Compensation, Criminal, Credit & Debt, Personal Injury

Status: Licensed: 14 Years

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675 Town Square Blvd, Garland, TX 75040

Gary Armstrong

Bankruptcy & Debt, Bankruptcy, Collection, Credit & Debt

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9540 Garland Road, Dallas, TX 75218

Jay W. Lucas

Family Law, Criminal, Credit & Debt, Personal Injury

Status: Licensed: 28 Years

CONTACT

2334 W Buckingham Rd, Garland, TX 75042

Steven M. Tinsley

Family Law, Elder Law, Business & Trade, Credit & Debt

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517 W Centerville Rd, Garland, TX 75041

Stephen T. Hutcheson

Credit & Debt, Bankruptcy, Bankruptcy & Debt

Status: Licensed: 42 Years

CONTACT

1902 Skipaway Dr, Rowlett, TX 75088

800-814-6700

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LEGAL TERMS

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.

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

DOING BUSINESS AS (DBA)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or ... (more...)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or similar document with the appropriate agency -- for example, the county clerk. This enables consumers to discover the names of the business owners, which is important if a consumer needs to sue the business.

FCBA

See Fair Credit Billing Act.

COLLATERAL

Property that guarantees payment of a secured debt.

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.

PRIORITY DEBT

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13... (more...)

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13 bankruptcy. Priority debts include alimony and child support, fees owed to the trustee and the attorney in the bankruptcy case, and wages owed to employees.

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.

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.

SAMPLE LEGAL CASES

Eaves v. Unifund CCR Partners

... Tommy L. Eaves appeals the jury's verdict against him in Unifund CCR Partners ("Unifund Partners") suit to collect unpaid credit-card debt. We affirm. BACKGROUND. Citibank issued an AT & T credit card to Eaves, and Eaves made purchases with the card. ...

Dulong v. Citibank (South Dakota), NA

... 892 OPINION. Opinion by Justice RICHTER. This case involves a traditional summary judgment in a credit card debt collection matter. Citibank (South Dakota), NA ("Citibank") sued Donna Dulong to recover the balance owed on a credit card (the "Credit Card"). ...

Martinez v. Midland Credit Management, Inc.

... denied), argued that Midland was not entitled to proceed on a sworn account theory to recover a credit card debt. At the hearing on Martinez's Motion for New Trial, Midland argued that its claim was one for breach of contract. ...

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Garland Credit & Debt Lawyer, Texas

Sponsored Law Firm

Sanchez Law Firm

SPONSORED LAWYERS

Jennifer A. Mitchell

Andrew F. Emerson

Chris R. Norris

Cynthia Johnson Rerko

Cynthia Ann Spencer

Ugalahi Ugy Agbo Claire Offoboche

Gary Armstrong

Jay W. Lucas

Steven M. Tinsley

Stephen T. Hutcheson

TIPS

LEGAL TERMS

BANKRUPTCY

GRACE PERIOD

DOING BUSINESS AS (DBA)

FCBA

COLLATERAL

ACCORD AND SATISFACTION

PRIORITY DEBT

REAFFIRMATION

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

SAMPLE LEGAL CASES

Eaves v. Unifund CCR Partners

Dulong v. Citibank (South Dakota), NA

Martinez v. Midland Credit Management, Inc.

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