Rancho Santa Fe Bankruptcy & Debt Lawyer, California

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Gregory Fitzgerald
About | Practice Areas
Fitzgerald & Campbell, APLC
400 N. Tustin Avenue Suite 401 Santa Ana, CA 92705» view map
Bankruptcy & Debt
Lawyers Who Solve Serious Problems

We are a motivated, respected, and experienced law firm that provides affordable services that get results.

800-732-9061
1. Gregory Fitzgerald Santa Ana, CA
  Attorney at Law - CA, 1991
  Southern California College J.D. 19991
2. AboutFitzgerald & Campbell, APLC
  Over 25 years of experience.
3. Practice AreasExpertise
  Bankruptcy & Debt
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Robert Michael Kovalsky

Credit & Debt, Corporate, Federal Appellate Practice, Litigation, Commercial Real Estate

Status: Licensed: 39 Years

CONTACT

4405 Manchester Avenue, Encinitas, CA 92024

Deborah Lynn Raymond

Bankruptcy, Credit & Debt, Collection, Credit & Debt

Status:

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445 Marine View Ave, Del Mar, CA 92014

Steven Keith Brumer

Bankruptcy, Family Law, Estate, Trusts, Estate Planning

Status: Licensed: 26 Years

CONTACT

445 Marine View Ave, Del Mar, CA 92014

Richard Leigh Boyer

Credit & Debt, Contract, Litigation, Commercial Real Estate

Status:

CONTACT

1037 Cerro Verde Dr, Solana Beach, CA 92075

Jeremy A. Martin

Public Interest Law, Adoption, Bankruptcy, Household Mold

Status:

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777 South Highway 101, Solana Beach, CA 92075

Paul Kirk Hutson

Consumer Bankruptcy, Banking & Finance, Government, State Government, Public Finance

Status: Licensed: 41 Years

CONTACT

Encinitas, CA 92023

Lincoln Victor Horton

Commercial Bankruptcy, Employee Rights, Lawsuit & Dispute, Litigation

Status: Licensed: 32 Years

CONTACT

16236 San Dieguito Rd, Rancho Santa Fe, CA 92067

Yosina Mariette Lissebeck

Bankruptcy, Credit & Debt, Litigation, Collection, Credit & Debt

Status: Licensed: 26 Years

CONTACT

13223 Black Mountain Rd, San Diego, CA 92129

Ben D Han

International Tax, Labor Legislation, Administrative Law, Commercial Bankruptcy

Status: Licensed: 27 Years

CONTACT

Rancho Santa Fe, CA 92067

Jason C Tatman

Other, Real Estate, Collection, Commercial Bankruptcy

Status: Licensed: 16 Years

CONTACT

2005 Coast Blvd, Del Mar, CA 92014

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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.

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.

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).

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

SOLE PROPRIETORSHIP

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, m... (more...)

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, meaning that business profits are reported and taxed on the owner's personal tax return. Setting up a sole proprietorship is cheap and easy since no legal formation documents need be filed with any governmental agency (although tax registration and other permit and license requirements may still apply). Once you file a fictitious name statement (assuming you don't use your own name) and obtain any required basic tax permits and business licenses, you'll be in business. The main downside of a sole proprietorship is that its owner is personally liable for all business debts.

FCBA

See Fair Credit Billing Act.

GUARANTEED RESERVATION

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehic... (more...)

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehicle for you no matter when you show up. If you have a guaranteed reservation with a hotel, it must provide you with a room, either at that hotel or at another comparable establishment. If you have a guaranteed reservation with a car agency, it must provide you with a vehicle. The downside of a guaranteed reservation is that if you don't show up and haven't cancelled your reservation, you will be billed for one night in the room or one day's use of the vehicle.

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.

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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Rancho Santa Fe Bankruptcy & Debt Lawyer, California

Sponsored Law Firm

Fitzgerald & Campbell, APLC

SPONSORED LAWYERS

Robert Michael Kovalsky

Deborah Lynn Raymond

Steven Keith Brumer

Richard Leigh Boyer

Jeremy A. Martin

Paul Kirk Hutson

Lincoln Victor Horton

Yosina Mariette Lissebeck

Ben D Han

Jason C Tatman

TIPS

LEGAL TERMS

CREDIT BUREAU

SECRET WARRANTY PROGRAM

LIEN

GARNISHMENT

SOLE PROPRIETORSHIP

FCBA

GUARANTEED RESERVATION

GRACE PERIOD

ADMINISTRATIVE EXPENSES

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