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Bert  Roos Lawyer

Bert Roos

VERIFIED *Status is reviewed annually. For latest information visit here
Accident & Injury, Divorce & Family Law, Bankruptcy & Debt

Bert L. Roos, Personal Counsel is an attorney whose practice is primarily in the area of family law, such as Divorce, Child Custody, Child Support, Sp... (more)

Carl R Retter Lawyer

Carl R Retter

VERIFIED *Status is reviewed annually. For latest information visit here
Bankruptcy & Debt, Accident & Injury

Carl is able to provide unique focus to every case. There is no “middle-man” – you speak directly with him, ensuring no case details are lost in... (more)

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602-620-3072

Sean Robert Forrester Lawyer

Sean Robert Forrester

VERIFIED *Status is reviewed annually. For latest information visit here
Criminal, DUI-DWI, Bankruptcy

Sean Forrester, managing attorney at Lerner and Rowe Law Group, has made a career advocating for the rights of the citizen accused. Mr. Forrester has ... (more)

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602-977-1900

Peter H Westby

Estate Planning, Employment, Business Organization, Bankruptcy
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           

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Kyle A. Israel

Estate Planning, Bankruptcy, Personal Injury, Intellectual Property, Business
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           

Meredith H. Flori

Bankruptcy, Estate Planning
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           

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Christopher R. Stovall

Construction, Corporate, Bankruptcy, Litigation
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           

Kristin W. Mazon

Bankruptcy, Corporate, Litigation, Personal Injury
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           

Benjamin Wright

Bankruptcy, Bankruptcy & Debt, Accident & Injury
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           

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David E. Allegrucci

Bankruptcy & Debt, Estate, Divorce
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  38 Years

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LEGAL TERMS

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)
A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

DEBIT CARD

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can ... (more...)
A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can also be used at stores to pay for goods and services in place of a check. Unlike a credit card, a debit card automatically withdraws money from your checking account at the time of the transaction. Debit cards are regulated by the Electronic Funds Transfer Act.

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)
As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

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.

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.

LIQUIDATING PARTNER

The member of an insolvent or dissolving partnership responsible for paying the debts and settling the accounts of the partnership.

HOUSEHOLDER

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a ho... (more...)
A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a homestead exemption and possibly other exemptions relating to the maintenance of the household.

CHAPTER 7 BANKRUPTCY

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 b... (more...)
The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 bankruptcy takes from three to six months, costs about $200, and commonly requires only one trip to the courthouse.

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)
A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

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