Merrimac Collection Lawyer, Massachusetts


Jay Patrick Johnson Lawyer

Jay Patrick Johnson

VERIFIED
Bankruptcy & Debt, Collection, Lawsuit & Dispute, Personal Injury

Attorney Jay P. Johnson graduated in 1987 from Boston College with a Bachelor of Arts in Economics. He received his Juris Doctorate from Suffolk Unive... (more)

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Bethany J. Raffa

Arbitration, Business Successions, Business Organization, Collection
Status:  In Good Standing           

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R. Bennett Sargent

Arbitration, Business Successions, Business Organization, Collection
Status:  In Good Standing           

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Christine G. DeBernardis

Alimony & Spousal Support, Child Support, Collection, Criminal
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Jeremy M. Cohen

Bankruptcy, Collection, Criminal, DUI-DWI
Status:  In Good Standing           

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Dana Casali

Bankruptcy, Business Organization, Collection, Estate Planning
Status:  In Good Standing           

Neil D. Warrenbrand

Bankruptcy, Corporate, Collection, Commercial Bankruptcy
Status:  In Good Standing           

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Alex M. Rodolakis

Corporate, Business Organization, Collection, Bankruptcy
Status:  In Good Standing           

Richard W. Gannett

Corporate, Franchising, Business Organization, Collection
Status:  In Good Standing           

Matthew E. Scafidi

Corporate, Business Organization, Collection, Commercial Leasing
Status:  In Good Standing           

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LEGAL TERMS

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.

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)
A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

DISCHARGEABLE DEBTS

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bill... (more...)
Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bills and medical bills. Compare nondischargeable debts.

GUARANTEED RESERVATION

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehic... (more...)
A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehicle for you no matter when you show up. If you have a guaranteed reservation with a hotel, it must provide you with a room, either at that hotel or at another comparable establishment. If you have a guaranteed reservation with a car agency, it must provide you with a vehicle. The downside of a guaranteed reservation is that if you don't show up and haven't cancelled your reservation, you will be billed for one night in the room or one day's use of the vehicle.

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.

FORBEARANCE

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily ... (more...)
Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily postponing or reducing the borrower's payments.

FCRA

See Fair Credit Reporting Act.

C CORPORATION

Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S c... (more...)
Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S corporation, whose profits are passed through to shareholders and taxed on their personal returns under subchapter S of the Internal Revenue Code.

CREDITOR

A person or entity (such as a bank) to whom a debt is owed.