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Gregory Fitzgerald
About | Practice Areas
Fitzgerald & Campbell, APLC
400 N. Tustin Avenue Suite 401 Santa Ana, CA 92705» view map
Bankruptcy & Debt
Lawyers Who Solve Serious Problems

We are a motivated, respected, and experienced law firm that provides affordable services that get results.

800-732-9061
1. Gregory Fitzgerald Santa Ana, CA
  Attorney at Law - CA, 1991
  Southern California College J.D. 19991
2. AboutFitzgerald & Campbell, APLC
  Over 25 years of experience.
3. Practice AreasExpertise
  Bankruptcy & Debt
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Jerry R. Lowe

DUI-DWI, Consumer Bankruptcy, Bankruptcy, Bankruptcy & Debt

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2344 Tulare Street, Fresno, CA 93721

Timothy Cecil Springer

Bankruptcy, Bankruptcy & Debt

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4905 N West Avenue, Fresno, CA 93705

Lisa Beth Coffman

Bankruptcy

Status: Licensed: 21 Years

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2500 Tulare St, Fresno, CA 93721

Jeffrey James Lodge

Bankruptcy, Bankruptcy & Debt

Status: Licensed: 34 Years

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2500 Tulare St, Fresno, CA 93721

Griselda Torres

Bankruptcy & Debt, Collection, Personal Injury, Car Accident

Status: Licensed: 15 Years

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1255 W Shaw Ave, Fresno, CA 93711

Timothy Cecil Springer

Immigration, Child Custody, Criminal, Bankruptcy

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4905 N West Ave, Fresno, CA 93705

Marlene Ann Hubbell

White Collar Crime, Elder Law, Contract, Credit & Debt, Litigation

Status: Licensed: 33 Years

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6447 N Cornelia Ave, Fresno, CA 93722

Michael Anthony Dias

Employee Rights, Corporate, Credit & Debt, Personal Injury

Status: Licensed: 29 Years

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502 W Grangeville Blvd, Hanford, CA 93230

Kenneth John Jorgensen

Wills & Probate, Business, Bankruptcy, Bankruptcy & Debt

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2440 West Shaw, Fresno, CA 93711

Michael L Schulte

Trusts, Family Law, Elder Law, Bankruptcy

Status: Licensed: 29 Years

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6737 N Milburn Ave, Fresno, CA 93722

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LEGAL TERMS

CREDIT COUNSELING

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Unde... (more...)

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Under the new bankruptcy law, a debtor must undergo credit counseling with an approved provider before filing for bankruptcy.

UNDUE HARDSHIP

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in t... (more...)

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in the future to pay off the loan may be able to show that repayment would be an undue hardship.

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

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.

ADMINISTRATIVE EXPENSES

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Admi... (more...)

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Administrative costs are typically 10% of the debtor's total payments under the plan.

BULK SALES LAW

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to ... (more...)

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to conduct a bulk sale of business assets -- that is, get rid of an unusually large amount of inventory, merchandise or equipment -- the business owner must typically publish a notice of the sale and give written notice to creditors. Then, the owner must set up an account to hold the funds from the sale for a brief period of time during which creditors may make claims against the money. The prohibition against bulk sales is spelled out in the Uniform Commercial Code -- and laws modeled on the UCC have been generally adopted throughout the country.

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.

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.

WORKOUT

A debtor's plan to take care of a debt, by paying it off or through loan forgiveness. Workouts are often created to avoid bankruptcy or foreclosure proceedings.

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Helm Bankruptcy & Debt Lawyer, California

Sponsored Law Firm

Fitzgerald & Campbell, APLC

SPONSORED LAWYERS

Jerry R. Lowe

Timothy Cecil Springer

Lisa Beth Coffman

Jeffrey James Lodge

Griselda Torres

Timothy Cecil Springer

Marlene Ann Hubbell

Michael Anthony Dias

Kenneth John Jorgensen

Michael L Schulte

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LEGAL TERMS

CREDIT COUNSELING

UNDUE HARDSHIP

DISPOSABLE INCOME

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

ADMINISTRATIVE EXPENSES

BULK SALES LAW

COLLECTION AGENCY

CREDIT BUREAU

WORKOUT

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