North Houston Bankruptcy & Debt Lawyer, Texas

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Vicky Fealy
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The Fealy Law Firm, P.C.
1235 North Loop West Suite 1005 Houston, TX 77008 » view map
Bankruptcy, Judgments, & Foreclosures
Houtson Bankruptcy Lawyers

Helping clients take control of their finances, for more that years. Board Certified in Consumer Bankruptcy by the Texas Board of Legal Specialization.

800-810-9591
1. Vicky Fealy Houston, TX
  Attorney At Law - Texas, 1991
  University of Houston Law Center, J.D.
2. Frequently Asked Questions
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Carl Joseph Ritter

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Divorce & Family Law, Litigation, Family Law, Credit & Debt

Carl Ritter is a senior attorney at Bryan Fagan, PLLC, representing clients in family law and estate planning matters. HIs focus areas are contested d... (more)

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281-810-9760

3707 Cypress Creek Parkway, Houston, TX 77068

Eleanor Haynes

International Tax, Bankruptcy, Family Law, Criminal, Immigration

Status:

FREE CONSULTATION

CONTACT

12777 Jones Road, Houston, TX 77070

Christopher Theodore Phipps

Intellectual Property, Health Care Other, Bankruptcy, Personal Injury

Status: Licensed: 11 Years

CONTACT

10940 W Sam Houston Pkwy N, Houston, TX 77064

Benjamin Stuart Pyle

Litigation, International Other, Consumer Bankruptcy, Personal Injury

Status: Licensed: 18 Years

CONTACT

10940 W Sam Houston Pkwy N, Houston, TX 77064

Benjamin Todd Major

International Other, Insurance, Credit & Debt, Personal Injury

Status: Licensed: 15 Years

CONTACT

10940 W Sam Houston Pkwy N, Houston, TX 77064

Lee Adam Cirsch

Litigation, Consumer Bankruptcy, Personal Injury, Accident & Injury

Status: Licensed: 22 Years

CONTACT

6810 Cypress Creek Pkwy, Houston, TX 77069

Jason Alexander Oxner

Dispute Resolution, Estate Planning, Natural Resources, Insurance, Bankruptcy

Status: Licensed: 11 Years

CONTACT

16060 Dillard Dr, Houston, TX 77040

Lashon Yvette Fleming

Juvenile Law, Estate Planning, Bankruptcy, Personal Injury, Family Law

Status:

CONTACT

12777 Jones Rd, Houston, TX 77070

Jeannette Bickner Cross

Real Estate, Banking & Finance, Bankruptcy, Bankruptcy & Debt

Status:

CONTACT

26 Champions Colony West, Houston, TX 77069

John Akard

Wills, Business & Trade, Credit & Debt, Bankruptcy

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CONTACT

11111 Mccracken Cir, Cypress, TX 77429

800-814-6700

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LEGAL TERMS

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.

LIABILITY

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pi... (more...)

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pipe bursts the day after Paul installs it, ruining the bathroom floor. This raises the issue of liability: Who is responsible for the damage? Peri claims that Paul is responsible, and sues him for the cost of hiring another plumber to fix the pipe and replacing the floor. Paul, in turn, claims that the pipe manufacturer is responsible, because they supplied him with faulty materials. Both Peri and Paul must prove their claims in court; if Paul and/or the manufacturer is found liable, one or both will have to pay damages to Peri. (2) Something for which a person is liable. For example, a debt is often called a liability.

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.

NO-FAULT INSURANCE

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain ... (more...)

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain amount, regardless of who was at fault. The effect of no-fault insurance laws is to eliminate lawsuits in small accidents. The advantage is the prompt payment of medical bills and expenses. The downsides are that the amounts paid by no-fault policies are often not enough to fully cover a person's losses and that no-fault does not compensate for pain and suffering.

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemp... (more...)

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemptible because it has been damaged or destroyed.

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.

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.

NUISANCE FEES

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fe... (more...)

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fees, inactivity fees and fees for not carrying a balance from month to month. It's best to shop around and get rid of cards that have these fees attached.

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.

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North Houston Bankruptcy & Debt Lawyer, Texas

Sponsored Law Firm

The Fealy Law Firm, P.C.

SPONSORED LAWYERS

Carl Joseph Ritter

Eleanor Haynes

Christopher Theodore Phipps

Benjamin Stuart Pyle

Benjamin Todd Major

Lee Adam Cirsch

Jason Alexander Oxner

Lashon Yvette Fleming

Jeannette Bickner Cross

John Akard

TIPS

LEGAL TERMS

CREDIT BUREAU

LIABILITY

SUBROGATION

NO-FAULT INSURANCE

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

DISPOSABLE INCOME

MEANS TEST

NUISANCE FEES

GRACE PERIOD

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