San Bernardino County, CA Reorganization Lawyers, page 5

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Damien Joe Miranda

Wrongful Termination, Sexual Harassment, Employment, Employment Discrimination
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  23 Years

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America Vidana

Criminal, Divorce & Family Law, Immigration, DUI-DWI
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  12 Years

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Benjamin Echols

Criminal, Felony, DUI-DWI, Bankruptcy
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  32 Years

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James Rankin Gass

Traffic, Criminal
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           

Vanessa Betryna Gnekow

Child Support, Child Custody
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  11 Years

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DAVID VASQUEZ

Workers' Compensation, DUI-DWI, Personal Injury, Family Law, Mass Torts
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  15 Years

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Jahzeel Osejo

Criminal, Misdemeanor
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           

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Arnold W. Holaday

Litigation, Products Liability, Personal Injury
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  31 Years

Christel A. Schoenfelder

Other, Workers' Compensation, Unfair Labor Practices, Personal Injury
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  22 Years

James DeAguilera

Eminent Domain, Government Agencies, Employment, Contract, Real Estate
Status:  Suspended *Status is reviewed annually. For latest information visit here           Licensed:  31 Years

Free Help: Use This Form or Call 800-943-8690

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LEGAL TERMS

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)
A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

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.

ABUSE

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because ... (more...)
Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because the debtor appears to have enough disposable income to fund a Chapter 13 repayment plan.

CREDITOR

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

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.

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.

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.

CHAPTER 13 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)
The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.

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