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Abraham Michelson
About | Practice Areas
The Michelson Law Office
203 North Lasalle Street Suite 2100 Chicago, IL 60601Â» view map
Bankruptcy, Chapter 7, Chapter 13
Chicago Bankruptcy Lawyer

When your finances are at stake, choose the best. Don't sink deeper in debt. Contact The Michelson Law Office

800-824-6431
1. Abraham Michelson Chicago, IL
  Attorney at Law - Illinois, 2013
  Thomas Cooley, JD, 2004
2. AboutAbraham Michelson
  Our legal team can advise you on your options for negotiating a solution.
3. Practice AreasServices
  Find out how an experienced attorney can help end calls and prevent lawsuits.
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Bruce S. Scolton

Alimony & Spousal Support, Corporate, Credit & Debt, Bankruptcy

Status: In Good Standing

CONTACT

414 E. Fairmount Avenue, Lakewood, NY 14750

Charles Robert Loveland

Real Estate, Traffic, Family Law, Bankruptcy

Status: In Good Standing

CONTACT

11 Lake Avenue, Brocton, NY 14716

Dustin Deweese Nelson

Industry Specialties, Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 42 Years

CONTACT

Chautauqua, NY 14722

Anthony J. Spann

Real Estate, Divorce & Family Law, Criminal, Bankruptcy & Debt

Status: In Good Standing Licensed: 71 Years

CONTACT

23 E 6Th St, Dunkirk, NY 14048

David Matthew Civilette

Landlord-Tenant, Bankruptcy, Divorce & Family Law

Status: In Good Standing Licensed: 52 Years

CONTACT

643 Central Ave, Dunkirk, NY 14048

Jonathan B. Wile

Education, Child Custody, Criminal, Bankruptcy

Status: In Good Standing Licensed: 35 Years

CONTACT

8726 Crumb Hill Rd, East Otto, NY 14729

Andrew David Brautigam

Traffic, Wills & Probate, Workers' Compensation, Criminal, Bankruptcy

Status: In Good Standing

CONTACT

32 White St, Fredonia, NY 14063

Richard Hunt Fessenden

Real Estate, Estate, Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 51 Years

CONTACT

Jamestown, NY 14702

James Edward Westman

Employee Rights, Family Law, Divorce & Family Law, Collection, Personal Injury

Status: In Good Standing Licensed: 48 Years

CONTACT

300 E 6Th St, Jamestown, NY 14701

Scott Frederick Humble

Divorce, Divorce & Family Law, DUI-DWI, Criminal, Bankruptcy & Debt

Status: In Good Standing

CONTACT

7 Jackson Ave Ne, Jamestown, NY 14701

800-923-0641

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LEGAL TERMS

CREDIT FILE

See credit report.

ABUSE

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because ... (more...)

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because the debtor appears to have enough disposable income to fund a Chapter 13 repayment plan.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

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.

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemp... (more...)

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemptible because it has been damaged or destroyed.

PREFERENCE

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commer... (more...)

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commercial creditors) and within one year for insider creditors (friends, family members, and business associates). Because a preference gives the creditor who received the payment an edge over other creditors in the bankruptcy case, the trustee can recover the preference (the amount of the payment) and distribute it among all of the creditors.

SOLE PROPRIETORSHIP

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, m... (more...)

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, meaning that business profits are reported and taxed on the owner's personal tax return. Setting up a sole proprietorship is cheap and easy since no legal formation documents need be filed with any governmental agency (although tax registration and other permit and license requirements may still apply). Once you file a fictitious name statement (assuming you don't use your own name) and obtain any required basic tax permits and business licenses, you'll be in business. The main downside of a sole proprietorship is that its owner is personally liable for all business debts.

FAIR LABOR STANDARDS ACT (FLSA)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements ... (more...)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements for overtime and places restrictions on child labor.

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily fu... (more...)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily funded by voluntary donations from the creditors that receive payments from debtors repaying their debts through that office. Despite this criticism, most CCCS counselors provide clients with thorough and neutral advice.

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Ashville Bankruptcy & Debt Lawyer, New York

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

Bruce S. Scolton

Charles Robert Loveland

Dustin Deweese Nelson

Anthony J. Spann

David Matthew Civilette

Jonathan B. Wile

Andrew David Brautigam

Richard Hunt Fessenden

James Edward Westman

Scott Frederick Humble

TIPS

LEGAL TERMS

CREDIT FILE

ABUSE

INTEREST

TRUTH IN LENDING ACT (TILA)

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

PREFERENCE

SOLE PROPRIETORSHIP

FAIR LABOR STANDARDS ACT (FLSA)

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

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