Holmesville Bankruptcy & Debt Lawyer, Ohio

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Mark Edward Leininger

Real Estate, Estate, Corporate, Commercial Bankruptcy
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  31 Years

Robert Christopher Gorman

Litigation, Employee Rights, Collection, Commercial Bankruptcy
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  30 Years

Patrick Earl Noser

Litigation, Lawsuit, Federal Appellate Practice, Collection
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  23 Years

Tricia Lynn Pycraft

Litigation, Health Care Other, Employee Rights, Collection, Products Liability
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  24 Years

Robert James Reynolds

Family Law, Corporate, Bankruptcy, Personal Injury
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  43 Years

Wayne Alexander Zacour

Real Estate, Banking & Finance, Commercial Bankruptcy, Bankruptcy
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  47 Years

David Wayne Zacour

Real Estate, Lawsuit, Criminal, Bankruptcy
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  20 Years

Thomas Karl Mast

Estate Planning, Estate, Elder Law, Bankruptcy
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  46 Years

Justin Edward Chenevey

Estate Planning, Estate, Criminal, Bankruptcy
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  14 Years

William George Rickett

Litigation, Family Law, Personal Injury, Commercial Bankruptcy
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  40 Years

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LEGAL TERMS

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.

BANKRUPTCY TRUSTEE

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is t... (more...)
A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is to gather the debtor's nonexempt property, liquidate it and distribute it proportionally to her creditors. In a Chapter 13 case, the trustee's role is to receive the debtor's monthly payments and distribute them proportionally to her creditors.

FDCPA

See Fair Debt Collections & Practices Act.

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.

TOXIC TORT

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and su... (more...)
A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and suffering.

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)
The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

CREDIT INSURANCE

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay o... (more...)
Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay off the remaining balance. Federal and state consumer protection laws require the lender to disclose to existing and potential borrowers the terms and costs of obtaining credit insurance because it can affect the terms of the loan.

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.

DEBT COLLECTOR

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe... (more...)
A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe. Debt collectors can be relentless, often using scare tactics, humiliation and repeated phone calls to extract payments or promises to pay.

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