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Roxana Bankruptcy & Debt Lawyer, Kentucky

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800-814-6700

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Kristyn Danielle Densmore-Smith

General Practice
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           
CONTACT
111 Hill Drive, Chavies, KY 41727
Profile LAWPOINTS™22/100
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Fred Norman Owens

Bankruptcy
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           
CONTACT
309 N Main St, Harlan, KY 40831
Profile LAWPOINTS™24/100
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Danny Lee Lunsford

Divorce & Family Law, Criminal, Administrative Law, Credit & Debt
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           
CONTACT
115 E Central St, Harlan, KY 40831
Profile LAWPOINTS™32/100
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Russell Darren Alred

Corporate, Corporate, Credit & Debt, Civil Rights, Estate Planning
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           
CONTACT
101 South Main Street, Harlan, KY 40831
Profile LAWPOINTS™17/100
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Heidi A. Hopfensperger

Accident & Injury, Consumer Bankruptcy
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           
CONTACT
48 A Independence Drive, Hazard, KY 41701
Profile LAWPOINTS™40/100
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John R Hansen

Workers' Compensation, Family Law, Bankruptcy, Personal Injury
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           
CONTACT
492 Main St, Hazard, KY 41701
Profile LAWPOINTS™32/100
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C Darlene Johnson

Bankruptcy
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           
CONTACT
257 Combs Rd, Hazard, KY 41701
Profile LAWPOINTS™17/100
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Charlotte Darl Johnson

Bankruptcy, Medical Malpractice, Elder Law, Juvenile Law
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           
CONTACT
257 Combs Rd, Hazard, KY 41701
Profile LAWPOINTS™22/100
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Charnel Marie Burton

Bankruptcy & Debt, Bankruptcy, Family Law, Employee Rights
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           
CONTACT
600 High St, Hazard, KY 41701
Profile LAWPOINTS™22/100
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Shasta K Mullins

Bankruptcy & Debt, Civil Rights, Lawsuit & Dispute, Bankruptcy
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  12 Years
CONTACT
264 E Main St, Hazard, KY 41701
Profile LAWPOINTS™14/100
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Member Representative

800-814-6700

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

Member Representative

Call me for fastest results!
800-814-6700

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

By submitting this request, I authorize you to forward my information to multiple potential lawyers and I agree to your Terms of Use and Privacy Policy including the Consent to Receive Automated Phone Calls, Emails and Texts. Information you provide is not privileged or confidential.

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LEGAL TERMS

FCBA

See Fair Credit Billing Act.

LOSS DAMAGE WAIVER (LDW)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it ofte... (more...)
Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it often duplicates coverage provided by the renter's regular car insurance and/or the credit card she uses to rent the car. Nevertheless, hard-sell practices by rental car agents often dupe people into buying LDWs they don't really need. LDW is also called 'collision damage waiver.'

FAIR CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)
A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

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.

FDCPA

See Fair Debt Collections & Practices Act.

ACCORD AND SATISFACTION

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collectin... (more...)
An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collecting as much money as they can from debtors who cannot pay the full amount.

WORKOUT

A debtor's plan to take care of a debt, by paying it off or through loan forgiveness. Workouts are often created to avoid bankruptcy or foreclosure proceedings.

REPOSSESSION

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and ... (more...)
A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and has not attempted to work with the lender to resolve the problem. A repossessor can't use force to get at your car, but he can legally hot-wire it and even drive it out of your unlocked garage.

CHAPTER 13 PLAN

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to ... (more...)
A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to pay all mandatory debts -- for example, back child support, taxes, and mortgage arrearages -- as well as some or all unsecured, nonpriority debts, such as medical and credit card bills.

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