Leland Bankruptcy & Debt Lawyer, North Carolina

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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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Algernon L. Butler

Power of Attorney, Employment, Child Custody, Credit & Debt, Bankruptcy

Status:

CONTACT

111 N 5Th Ave, Wilmington, NC 28402

J. S. Gorham

Criminal, Medical Malpractice, Bankruptcy

Status: Licensed: 54 Years

CONTACT

1106 Cresthill Court, Leland, NC 28451

Dean R. Davis

Real Estate, International, Civil & Human Rights, Bankruptcy & Debt

Status: Licensed: 50 Years

CONTACT

6106 Tidal Reach Court, Wilmington, NC 28403

James P. Bonner

Real Estate, Estate, Bankruptcy & Debt, Landlord-Tenant, Traffic

Status: Licensed: 37 Years

CONTACT

Wilmington, NC 28406

William J. Boney

Family Law, Criminal, Personal Injury, Accident & Injury, Credit & Debt

Status:

CONTACT

Wilmington, NC 28402

Gregory K. Kornegay

Social Security -- Disability, Social Security, Government, Bankruptcy

Status:

CONTACT

Wilmington, NC 28402

Roger Carl White

Real Estate, Lawsuit & Dispute, Intellectual Property, Business, Bankruptcy & Debt

Status: Licensed: 22 Years

CONTACT

321 N. Front Street, Wilmington, NC 28401

Elizabeth Ball Wright

Real Estate, Lawsuit & Dispute, Immigration, Collection

Status: Licensed: 12 Years

CONTACT

310 N Front St, Wilmington, NC 28401

James D. Mclean

Business, Real Estate, International Other, Commercial Bankruptcy

Status: Licensed: 36 Years

CONTACT

310 North Front Street, Wilmington, NC 28401

Elizabeth Wright Embrey

Lawsuit & Dispute, Real Estate, Collection, Foreclosure

Status: Licensed: 21 Years

CONTACT

228 N. Front St., Wilmington, NC 28401

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LEGAL TERMS

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.

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.

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a 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.

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.

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).

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.

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.

FRAUDULENT TRANSFER

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee --... (more...)

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee -- for instance, when a debtor signs a car over to a relative to keep it out of the bankruptcy estate. Fraudulently transferred property can be recovered and sold by the trustee for the benefit of the creditors.

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Leland Bankruptcy & Debt Lawyer, North Carolina

Sponsored Law Firm

Oliver & Cheek, PLLC

SPONSORED LAWYERS

Algernon L. Butler

J. S. Gorham

Dean R. Davis

James P. Bonner

William J. Boney

Gregory K. Kornegay

Roger Carl White

Elizabeth Ball Wright

James D. Mclean

Elizabeth Wright Embrey

TIPS

LEGAL TERMS

GRACE PERIOD

MEANS TEST

CREDIT REPORT

UNDUE HARDSHIP

INTEREST

LIEN

DOING BUSINESS AS (DBA)

DISPOSABLE INCOME

FRAUDULENT TRANSFER

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