Frederick Credit & Debt Lawyer, Maryland

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David B. Mintz Lawyer

David B. Mintz

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Bankruptcy & Debt, Consumer Bankruptcy, Bankruptcy, Credit & Debt

David B. Mintz began his bankruptcy experience in 1999 representing debtors. After turning to the dark side and representing creditors, he started his... (more)

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Worthington H. Talcott

Commercial Real Estate, Foreclosure, Credit & Debt, Bankruptcy
Status:  In Good Standing           

George Francis Bason

Workout, Reorganization, Credit & Debt, Bankruptcy
Status:  In Good Standing           

Daniel J. Collins

Contract, Credit & Debt, Insurance, Personal Injury
Status:  In Good Standing           
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David Wingate

Health Care, Family Law, Credit & Debt, Elder Law
Status:  In Good Standing           Licensed:  25 Years

Jonathan R. Bromberg

Social Security -- Disability, Labor Law, Corporate, Credit & Debt
Status:  In Good Standing           

Michael J. Lichtenstein

Litigation, Lawsuit & Dispute, Credit & Debt, Bankruptcy
Status:  In Good Standing           

Robinson S. Rowe

Estate Planning, Civil Rights, Credit & Debt, Bankruptcy
Status:  In Good Standing           

Bruce Magazine

Banking & Finance, Bankruptcy, Construction, Credit & Debt
Status:  Inactive           Licensed:  54 Years

Jillian Aylward Kindlund

Workout, Credit & Debt, Bankruptcy, Bankruptcy & Debt
Status:  In Good Standing           Licensed:  33 Years

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LEGAL TERMS

S CORPORATION

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status fro... (more...)
A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status from the Internal Revenue Service. Electing to do business as an S corporation lets shareholders enjoy limited liability status, as would be true of any corporation, but be taxed like a partnership or sole proprietor. That is, instead of being taxed as a separate entity (as would be the case with a regular or C corporation) an S corporation is a pass-through tax entity: income taxes are reported and paid by the shareholders, not the S corporation. To qualify as an S corporation a number of IRS rules must be met, such as a limit of 75 shareholders and citizenship requirements.

FCBA

See Fair Credit Billing Act.

BANKRUPTCY

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are ... (more...)
A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are two types of bankruptcies -- liquidation, in which your debts are wiped out (discharged) and reorganization, in which you provide the court with a plan for how you intend to repay your debts. For both consumers and business, liquidation bankruptcy is called Chapter 7. For consumers, reorganization bankruptcy is called Chapter 13. Reorganization bankruptcy for consumers with an extraordinary amount of debt and for businesses is called Chapter 11. Reorganization bankruptcy for family farmers is called Chapter 12.

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.

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.

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)
A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)
A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

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.

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.

SAMPLE LEGAL CASES

APPLICATION OF STERN

... Instead, he continued to increase his debt until no one would extend 1251 him further credit. ... In 2002, the applicant entered law school, where he accumulated $58,000 in student loan debt and continued to make no effort to pay the delinquent retail credit debt. ...

FORD MOTOR CREDIT COMPANY, LLC v. Roberson

... During the proceedings, Ford Motor Credit filed a motion for summary judgment, asserting that it did not violate the discharge injunction as a matter of fact or law, was not a "debt collector" as that term is used in the Fair Debt Collection Practices Act, 15 USC § 1692 et seq. ...

IN THE MATTER OF APPLICATION OF STERN

... Instead, he continued to increase his debt until no one would extend him further credit. ... In 2002, the applicant entered law school, where he accumulated $58,000 in student loan debt and continued to make no effort to pay the delinquent retail credit debt. ...