Modesto Bankruptcy & Debt Lawyer, California

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David Michael Spieker Lawyer

David Michael Spieker

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Accident & Injury, Bankruptcy & Debt, Criminal, Estate, Immigration

Mr. Spieker is a practicing lawyer with over 20 years of experience serving Modesto, California and the surrounding communities. Mr. Spieker's areas o... (more)

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800-810-7991

Patrick B. Greenwell

Criminal, Civil Rights, Bankruptcy, Bankruptcy & Debt
Status:  In Good Standing           

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John Nguyen

Bankruptcy, Farms, DUI-DWI, Divorce
Status:  In Good Standing           Licensed:  19 Years

Julie Alice Richardson

Employee Rights, Elder Law, Administrative Law, Credit & Debt
Status:  In Good Standing           Licensed:  20 Years
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Richard Legrande Sheppard

Traffic, Social Security, Bankruptcy & Debt, Accident & Injury
Status:  In Good Standing           Licensed:  17 Years

Thomas Patrick Hogan

Family Law, Criminal, Business, Credit & Debt
Status:  In Good Standing           

Ameet Singh Birring

Workers' Compensation, Contract, Bankruptcy, Personal Injury
Status:  In Good Standing           Licensed:  9 Years

Mahanvir Singh Sahota

Employee Rights, Corporate, Bankruptcy, Medical Malpractice
Status:  In Good Standing           Licensed:  15 Years

John Wesley Villines

Corporate, Credit & Debt, International Trade, Agriculture
Status:  Suspended           Licensed:  24 Years

Philip Brian Avila

Employee Rights, Insurance, Collection, Personal Injury
Status:  Inactive           

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Free Help: Use This Form or Call 800-943-8690

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LEGAL TERMS

CCCS

See Consumer Credit Counseling Service.

SECRET WARRANTY PROGRAM

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid... (more...)
A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid a recall and the accompanying bad press. Secret warranties are rarely advertised by the manufacturer, so consumers must pursue the manufacturer to discover and take advantage of them. A few states require manufacturers to notify car buyers when they adopt secret warranty programs.

ACCORD AND SATISFACTION

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collectin... (more...)
An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collecting as much money as they can from debtors who cannot pay the full amount.

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.

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.

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.

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.

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.

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