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Lawrence Belanger
About | Practice Areas
Law Office of Lawrence Belanger
101 North 7th St Louisville, KY 40202» view map
Bankruptcy & Debt
Decades Of Experience

Filing for bankruptcy can be complicated, but it doesn't have to be. Attorney Lawrence Belanger helps his clients every step of the way.

800-872-6030
1. Lawrence Belanger Louisville, KY
  Attorney at Law - KY, 1991
  Suffolk University J.D. 1973
2. AboutLaw Office of Lawrence Belanger
  Decades Of Experience
3. Practice AreasExpertise
  Bankruptcy & Debt
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Douglas Clifton Howard

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Divorce & Family Law, Divorce, Bankruptcy, Family Law, Estate

At Howard Law Group, PLLC, our skilled Frankfort attorney has the ability to assist people with very complex issues and problems. We work hard to find... (more)

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800-716-8131

213 Saint Clair St, Frankfort, KY 40601

Justin Lee Lawrence

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Accident & Injury, Personal Injury, Workers' Compensation, Bankruptcy & Debt, Social Security

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800-982-8841

2500 Chamber Center Dr, Ft Mitchell, KY 41017

Michael W. McClain

Business Organization, Products Liability, Collection, Banking & Finance

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9720 Park Plaza Avenue, Louisville, KY 40241

Julie Ann O'Bryan

Consumer Bankruptcy, Bankruptcy, Bankruptcy & Debt, Personal Injury

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1717 Alliant Avenue, Louisville, KY 40299

LaShea Borden

Collection, Consumer Bankruptcy, Credit & Debt, Estate Administration

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1717 Alliant Avenue, Louisville, KY 40299

Leeann Thornhill

Foreclosure, Garnishment, Commercial Bankruptcy, Bankruptcy

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Wasson & Thornill, PLLC, Louisville, KY 40220

Richard A. Schwartz

Workout, Consumer Bankruptcy, Commercial Bankruptcy, Bankruptcy

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FREE CONSULTATION

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3339 Taylorsville Road, Louisville, KY 40205

Jonathan Mark Bruce

Traffic, White Collar Crime, DUI-DWI, Criminal, Bankruptcy

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FREE CONSULTATION

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71 Cavalier Boulevard, Florence, KY 41042

Alisha Triplett

Banking & Finance, Bankruptcy, Collection

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239 S. 5th Street, Louisville, KY 40202

Dawn R. Elliott

Adoption, Alimony & Spousal Support, Bankruptcy, Child Support, Family Law

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FREE CONSULTATION

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Hertz-Starks Building, 455 South 4th Street, Louisville, KY 40202

800-814-6700

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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.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

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.

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.

COLLATERAL

Property that guarantees payment of a secured debt.

GENERAL PARTNER

A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the... (more...)

A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the business's debts and obligations. A general partner's actions can legally bind the entire business. See also partnership, limited partnership.

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.

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

TRADE NAME

The official name of a business, the one it uses on its letterhead and bank account when not dealing with consumers.

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Turners Station Bankruptcy & Debt Lawyer, Kentucky

Sponsored Law Firm

Law Office of Lawrence Belanger

SPONSORED LAWYERS

Douglas Clifton Howard

Justin Lee Lawrence

Michael W. McClain

Julie Ann O'Bryan

LaShea Borden

Leeann Thornhill

Richard A. Schwartz

Jonathan Mark Bruce

Alisha Triplett

Dawn R. Elliott

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LEGAL TERMS

TRUTH IN LENDING ACT (TILA)

INTEREST

CREDIT INSURANCE

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

COLLATERAL

GENERAL PARTNER

CHAPTER 7 BANKRUPTCY

COLLECTION AGENCY

TRADE NAME

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