Osceola County, FL Reorganization Lawyers

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Miguel Angel Figueroa Lawyer

Miguel Angel Figueroa

VERIFIED
Accident & Injury

Founding attorney, Miguel Figueroa, was born in San Juan, Puerto Rico in July of 1980. At an early age, his family relocated to Texas where Miguel beg... (more)

Kelly M Forst Lawyer

Kelly M Forst

VERIFIED
Estate, Wills & Probate, Divorce

Kelly Forst has been an attorney in New York since 2000. Since that time, she has helped hundreds of clients navigate their separations and marriage d... (more)

Monica Victorica

Juvenile Law, Felony, DUI-DWI, Criminal
Status:  In Good Standing           

C. D. Lewis

Elder Law, Personal Injury, Wills & Probate, Real Estate
Status:  In Good Standing           

Lazaro Grael Blanco

DUI-DWI, Criminal, Car Accident, Accident & Injury, Divorce
Status:  In Good Standing           Licensed:  19 Years

FREE CONSULTATION 

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Nicholas Randall Jones

Foreclosure, Bankruptcy & Debt, Landlord-Tenant, Credit & Debt
Status:  In Good Standing           Licensed:  14 Years

FREE CONSULTATION 

CONTACT

Michele A. Lebron

Health Care Other, Divorce & Family Law
Status:  In Good Standing           Licensed:  10 Years

Janice Deborah Kerr

Criminal, Employment, Bankruptcy, Family Law
Status:  In Good Standing           Licensed:  18 Years

FREE CONSULTATION 

CONTACT

Richard Nick Kelley

Criminal, DUI-DWI, Misdemeanor
Status:  In Good Standing           

Juan Carlos Montes de Oca

Criminal, Immigration, Divorce & Family Law, Real Estate
Status:  In Good Standing           Licensed:  16 Years

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LEGAL TERMS

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.

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.

FCRA

See Fair Credit Reporting Act.

CREDITOR

A person or entity (such as a bank) to whom a debt is owed.

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)
A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

REAFFIRMATION

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing deb... (more...)
An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing debt after the bankruptcy case is over. For instance, a debtor might make a reaffirmation agreement with the holder of a car note that the debtor can keep the car and must continue to pay the debt after bankruptcy.

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.

SECRET WARRANTY PROGRAM

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid... (more...)
A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid a recall and the accompanying bad press. Secret warranties are rarely advertised by the manufacturer, so consumers must pursue the manufacturer to discover and take advantage of them. A few states require manufacturers to notify car buyers when they adopt secret warranty programs.

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.

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