Jack Gilbert

Civil Rights Constitutional Law Constitutional Rights

What is the Fourteenth Amendment?

March 26, 2026

The Fourteenth Amendment, ratified in 1868, guarantees citizenship to people born or naturalized in the United States and requires due process and equal protection under...

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Civil Rights and Due Process Constitutional Law Legal Rights and Due Process

What is due process?

March 26, 2026

Due process is a constitutional guarantee in the Fifth and Fourteenth Amendments that requires fair procedures before the government can deprive a person of life,...

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Civil Rights Constitutional Law Equal Opportunity

What is equal protection?

March 26, 2026

Equal protection is a constitutional rule in the 14th Amendment that requires states to treat similarly situated people alike under the law. It limits government...

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Bankruptcy & Debt Debt Collection Wage Garnishments

What is wage garnishment?

March 26, 2026

Wage garnishment is a court-ordered process that can take up to 25% of your disposable earnings (or less under state law) from each paycheck to...

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Debt Collection Legal Concepts and Terminology Legal Definitions

What is a judgment creditor?

March 26, 2026

A judgment creditor is a person or business that has won a court judgment ordering the debtor to pay money. After judgment, the creditor can...

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Constitutional Law First Amendment Freedom of Speech

What is the First Amendment?

March 26, 2026

The First Amendment is the first of the Bill of Rights, ratified in 1791, and it protects five freedoms: speech, religion, press, assembly, and petition....

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Constitutional Law Constitutional Rights and Civil Liberties Search and Seizure

What is the Fourth Amendment?

March 26, 2026

The Fourth Amendment protects Americans from unreasonable searches and seizures and generally requires probable cause for a warrant. It limits how police and other government...

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Asset Protection Bankruptcy and Debt Fraud

What is a fraudulent transfer?

March 26, 2026

A fraudulent transfer is a debtor’s move of money or property intended to hinder, delay, or defraud creditors, or made for less than reasonably equivalent...

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Bankruptcy Bankruptcy Procedures Legal Forms & Documentation

What is a proof of claim?

March 26, 2026

A proof of claim is the official form a creditor files in a bankruptcy case to assert a right to payment from the debtor’s estate,...

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Bankruptcy Bankruptcy & Debt Debt Relief

What is credit counseling for bankruptcy?

March 26, 2026

Credit counseling for bankruptcy is a required session with an approved nonprofit agency that most filers must complete within 180 days before submitting a bankruptcy...

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Bankruptcy and Debt Debt Management Debt Relief

What is debt consolidation?

March 26, 2026

Debt consolidation combines multiple debts into a single loan or payment—often to secure a lower interest rate or simpler monthly bill. It can reduce costs...

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Bankruptcy & Debt Debt Collection Debt Relief Debt Resolution

What is debt settlement?

March 26, 2026

Debt settlement is a process where you negotiate to pay less than your total debt, often settling for 30–60% of the balance. It typically involves...

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