Lycoming County, PA Credit & Debt Lawyers

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Warren R. Baldys

Premises Liability, Transportation & Shipping, Social Security -- Disability, Workers' Compensation
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           

FREE CONSULTATION 

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David F. Wilk

Workers' Compensation, Personal Injury, Litigation
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           

Philip Sunderland

Estate Planning, Oil & Gas, Wills & Probate, Real Estate
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           

Melissa R. Clark

Workers' Compensation, Family Law, Criminal, Personal Injury
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           

Jon Casey Watson

Workers' Compensation
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           

Melody L. Hanisek

General Practice
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           

Thomas Waffenschmidt

Accident & Injury, Car Accident, Personal Injury, Wrongful Death, Workers' Compensation
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           

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Jerry E. Lynch

Criminal, Litigation, Civil & Human Rights
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           

FREE CONSULTATION 

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Matthew J. Zeigler

Family Law, Criminal, Bankruptcy & Debt, Personal Injury
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  26 Years

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John Andrew Smay

Real Estate, Landlord-Tenant, Estate, Bankruptcy, Adoption
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  42 Years

Free Help: Use This Form or Call 800-814-6700

Member Representative

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800-814-6700

Free Help: Use This Form or Call 800-814-6700

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Easily find Pennsylvania Credit & Debt Lawyers and Pennsylvania Credit & Debt Law Firms for your location. Narrow your Credit & Debt attorney search for Pennsylvania by major city or a specific Pennsylvania city using the city list. Or search for Pennsylvania Credit & Debt attorneys by county. For more attorneys, search all Bankruptcy & Debt areas including Bankruptcy, Collection, Reorganization and Workout attorneys.

LEGAL TERMS

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)
A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

DEBIT CARD

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can ... (more...)
A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can also be used at stores to pay for goods and services in place of a check. Unlike a credit card, a debit card automatically withdraws money from your checking account at the time of the transaction. Debit cards are regulated by the Electronic Funds Transfer Act.

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.

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.

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)
A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

SUBROGATION

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off i... (more...)
A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off its injured claimant takes the legal rights the claimant has against a third party that caused the injury, and sues that third party.

DISCHARGEABLE DEBTS

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bill... (more...)
Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bills and medical bills. Compare nondischargeable debts.

FCRA

See Fair Credit Reporting Act.

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)
A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

SAMPLE LEGAL CASES

Biese v. Biese

... 10 In Issue A(2), Husband asserts that all of the parties' credit card debt should not have been apportioned to him. According to Husband, if the Master's goal was a 50/50 split of the marital estate, he should have assigned half of the $10,584.00 credit card debt to Wife. ...

DEBT SETTLEMENT USA, INC. v. Kaplan

... Act 117 also defines "debt settlement services" as: [a]n action or negotiation made on behalf of a consumer with that consumer's creditors for the purpose of the creditor forgiving part or all of the principal of the debt incurred or credit extended to that consumer. ...

Commonwealth Financial Systems, Inc. v. Smith

... ("CFS") appeals from the judgment entered in favor of Ms. Larry Smith ("Ms. Smith") in this action to collect a credit card debt. [1] We affirm. ... By March 2002, Ms. Smith was approximately $2,000 in debt on her credit card account. CFS buys and collects debts. ...

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