suretyship 人保(保证) Flashcards

1
Q

creditor/obligee

A

债权人(别人对他负有债务)

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
2
Q

debtor/principal/obligor

A

债务人

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
3
Q

surety

A

连带保证人

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
4
Q

guarantor

A

一般保证人

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
5
Q

cosureties

A

共同保证人

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
6
Q

judicial lien

A

司法留置:对于债务人手中的资产

  • 请求法院留置债务人手中的资产。
  • 如果法院留置,法院会想当地治安官sheriff发送writ: a writ of attachment,执行留置,卖了资产,再把收益给债务人。
  • 大多数州保护一定的债务人的资产,防止变卖资产后过于穷困destitute。
  • 大多数州提供homestead exemption https://en.wikipedia.org/wiki/Homestead_exemption
  • 很友善的比如Florida州,要等到债务人死后才能变卖房产,取得抵押贷款的回款
How well did you know this?
1
Not at all
2
3
4
5
Perfectly
7
Q

garnishment

A

扣押:对于在第三方手中的资产

1)debtor被判决下adjudge下来欠creditor 钱且2) debtor有在第三方的资产

  • 扣押在第三方手中的资产,比如 debtor的未发放的工资、在银行账号的工资
  • 社保不在范围内
  • 不会全部扣押工资(不超过1/4周薪)
How well did you know this?
1
Not at all
2
3
4
5
Perfectly
8
Q

prejudgment attachment

A

裁决前扣押(在案件终审前,债权人有理由相信债务人不会付,就可以向法院请求先扣押债务人的一部分的资产)

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
9
Q

fraudulent conveyance

A

欺诈性资产转让

  • 债务人偷偷转移资产是void or voidable,
  • 形式有:卖给关联方、未披露、转移后仍然持有、价格不合理
How well did you know this?
1
Not at all
2
3
4
5
Perfectly
10
Q

Fair Debt Collection Practices Act (FDCPA)

A

该法案使用于收款机构collecting agency收取消费者的贷款,不适用收取自己的贷款

How well did you know this?
1
Not at all
2
3
4
5
Perfectly