Little Rock Credit & Debt Lawyer, Arkansas, page 2


Leisa Pulliam

Credit & Debt, Business & Trade, Commercial Real Estate, Gift Taxation
Status:  In Good Standing           Licensed:  15 Years

Mark Aubrey Sexton

General Practice
Status:  In Good Standing           Licensed:  23 Years

Stacey E. Mccord

Employee Rights, Social Security, Credit & Debt, Personal Injury
Status:  In Good Standing           Licensed:  34 Years

David Lee Smith

Divorce & Family Law, Administrative Law, Credit & Debt, Personal Injury
Status:  In Good Standing           Licensed:  49 Years
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John Douglas Cortes

International Other, Business & Trade, Credit & Debt, Bankruptcy
Status:  In Good Standing           Licensed:  18 Years

John Douglas Cortes

General Practice
Status:  In Good Standing           

William Thomas Crowder

Commercial Real Estate, Motor Vehicle, Credit & Debt, Collection
Status:  In Good Standing           Licensed:  18 Years

Francis Joseph Cardis

Credit & Debt, Civil Rights, Family Law, Estate Planning
Status:  In Good Standing           Licensed:  24 Years

Frederick Stearns Wetzel

Foreclosure, Credit & Debt, Collection, Bankruptcy & Debt
Status:  In Good Standing           Licensed:  41 Years

James Paul Beachboard

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

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LEGAL TERMS

CHAPTER 13 PLAN

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to ... (more...)
A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to pay all mandatory debts -- for example, back child support, taxes, and mortgage arrearages -- as well as some or all unsecured, nonpriority debts, such as medical and credit card bills.

CREDIT COUNSELING

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Unde... (more...)
Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Under the new bankruptcy law, a debtor must undergo credit counseling with an approved provider before filing for 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.

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.

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.

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)
In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

SECURED DEBT

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collater... (more...)
A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collateral, to satisfy the debt if you default. Compare unsecured debt.

CREDIT BUREAU

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit... (more...)
A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit card companies that use the information to screen applicants for loans and credit cards. There are three major credit bureaus, Equifax, Experian and Trans Union, and they are regulated by the federal Fair Credit Reporting Act.

NONEXEMPT PROPERTY

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typicall... (more...)
The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typically includes valuable clothing (furs) and electronic equipment, an expensive car that's been paid off and most of the equity in your house. Compare exempt property.

SAMPLE LEGAL CASES

Broggi-Dunn v. Dunn

... Mr. Dunn testified that the mortgage debt for the marital home was approximately $104,000, and the line-of-credit debt associated with the home was approximately $9,800. Mr. Dunn believed, however, that the property was worth less than $100,000. ...

Hawkins v. Hawkins

... Appellant, Kendrick D. Hawkins, argues on direct appeal that the circuit court erred in awarding appellee a portion of his military retirement benefits and that the court erred in dividing the credit-card debt between the parties. ...

McClure v. Schollmier-McClure

... On cross-appeal, Tracy contends that the trial court erred in finding that the parties' home was marital property and in requiring her to pay a portion of John's credit card debt. ... Finally, John testified that he had credit card debt of $53,000. ...