Johnston Bankruptcy & Debt Lawyer, Rhode Island

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Joseph Botelho
About | Practice Areas
Botelho Law Group
901 Eastern Ave Suite 2 Fall River, MA 02723» view map
Bankruptcy & Debt Law
Fall River Lawyers

At the Botelho Law Group we have several attorneys, with different specializations; to help your case’s individual needs.

800-229-5331
1. Joseph Botelho Fall River, MA
  Attorney at Law- MA, 2000
  University of Massachusetts School of Law, J.D. 2000
2. AboutBotelho Law Group
  Fall River Lawyers
3. Practice AreasExpertise
  Bankruptcy & Debt Law
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Jack D. Pitts

Estate, Criminal, Bankruptcy

Status: In Good Standing

CONTACT

635 Killingly Street, Johnston, RI 02919

Jacqueline M. Grasso

Immigration, Child Support, Bankruptcy, Medical Malpractice

Status: In Good Standing

CONTACT

1310 Atwood Avenue, Johnston, RI 02919

Richard B. Applebaum

Construction, Employment, Business, Collection, Accident & Injury

Status: In Good Standing

CONTACT

1216 Atwood Ave, Johnston, RI 02919

Steven M. Placella

Bankruptcy

Status: In Good Standing

CONTACT

1304 Atwood Ave, Johnston, RI 02919

Kerry F. Walsh

Divorce, Criminal, Business, Collection

Status: In Good Standing

CONTACT

1301 Atwood Ave, Johnston, RI 02919

Gary R. Pannone

Immigration, Business, Collection, Bankruptcy

Status: In Good Standing

CONTACT

1301 Atwood Ave, Johnston, RI 02919

Rebecca Murphy

Lawsuit & Dispute, Industry Specialties, Bankruptcy & Debt

Status: In Good Standing Licensed: 11 Years

CONTACT

1301 Atwood Ave, Johnston, RI 02919

Benjamin A. Mesiti

Accident & Injury, Bankruptcy & Debt, Criminal, Divorce & Family Law

Status: In Good Standing

CONTACT

986 Hartford Avenue, Johnston, RI 02919

Jennifer A. Armstrong-Souza

Divorce & Family Law, Bankruptcy & Debt

Status: In Good Standing

CONTACT

985 Hartford Avenue, Johnston, RI 02919

Jack D. Pitts

Estate, Bankruptcy

Status: In Good Standing

CONTACT

635 Killingly St, Johnston, RI 02919

800-923-0641

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LEGAL TERMS

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.

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.

TRADE NAME

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

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.

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.

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

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.'

Johnston Bankruptcy & Debt Lawyer, Rhode Island

Sponsored Law Firm

Botelho Law Group

SPONSORED LAWYERS

Jack D. Pitts

Jacqueline M. Grasso

Richard B. Applebaum

Steven M. Placella

Kerry F. Walsh

Gary R. Pannone

Rebecca Murphy

Benjamin A. Mesiti

Jennifer A. Armstrong-Souza

Jack D. Pitts

TIPS

LEGAL TERMS

FCBA

BANKRUPTCY

REAFFIRMATION

TRADE NAME

CREDIT INSURANCE

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

NO-FAULT INSURANCE

CREDIT REPORT

LOSS DAMAGE WAIVER (LDW)

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