Pocatello Credit & Debt Lawyer, Idaho


Lane Vincent Erickson

Litigation, Estate Planning, Elder Law, Credit & Debt
Status:  In Good Standing           

Heidi Buck Morrison

Family Law, Civil Rights, Credit & Debt, Bankruptcy, Collection
Status:  In Good Standing           Licensed:  12 Years

John Albert Bailey

Estate, Employment, Business, Bankruptcy & Debt
Status:  In Good Standing           

Jared S. Fluckiger

Agriculture, Civil Rights, Business, Bankruptcy, Criminal
Status:  In Good Standing           Licensed:  5 Years
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John Orval Avery

Bankruptcy & Debt
Status:  In Good Standing           Licensed:  36 Years

James Alphonse Spinner

Real Estate, Bankruptcy & Debt
Status:  In Good Standing           Licensed:  36 Years

Frederick F. Belzer

Divorce & Family Law, Bankruptcy & Debt
Status:  In Good Standing           Licensed:  41 Years

Stephen J. Muhonen

Wrongful Termination, Collection, Personal Injury, Car Accident
Status:  In Good Standing           Licensed:  18 Years

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Nolan Ernest Wittrock

Estate, Divorce & Family Law, Criminal, Bankruptcy & Debt
Status:  In Good Standing           

Patrick Noel George

Real Estate, Corporate, Banking & Finance, Commercial Bankruptcy
Status:  In Good Standing           

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

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

By submitting this lawyer request, I confirm I have read and agree to the Consent to Receive Email, Phone, Text Messages, Terms of Use, and Privacy Policy. Information provided is not privileged or confidential.

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LEGAL TERMS

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)
A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

FCRA

See Fair Credit Reporting Act.

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.

LIQUIDATING PARTNER

The member of an insolvent or dissolving partnership responsible for paying the debts and settling the accounts of the partnership.

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.

UNSECURED DEBT

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only reme... (more...)
A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only remedy is to sue you and get a judgment. Compare secured debt.

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)
A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

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.

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)
A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

SAMPLE LEGAL CASES

Cole v. CARDEZ CREDIT AFFILIATES, LLC

... On April 11, 2006, Cardez Credit Affiliates, LLC (Cardez Credit filed a suit against Vicky Cole in district court in Bonneville County, where it maintains its principal place of business, alleging that Vicky Cole owed money to Cardez Credit on a past due credit card debt. ...

Credit Bureau v. Lecheminant

... I. FACTS AND PROCEDURAL HISTORY. On February 14, 2006, the plaintiff, Credit Bureau of Eastern Idaho, Inc. ... 3. Whether IC § 32-912 allows for garnishment in this case. 4. Whether a debt must benefit the community in order to be satisfied out of the community property. ...

CREDIT BUREAU OF EASTERN IDAHO v. LECHEMINANT

... I. FACTS AND PROCEDURAL HISTORY. On February 14, 2006, the plaintiff, Credit Bureau of Eastern Idaho, Inc. ... 3. Whether IC § 32-912 allows for garnishment in this case. 4. Whether a debt must benefit the community in order to be satisfied out of the community property. ...