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Jose Torres
About | Practice Areas
Torres Legal
129 Prospect St Passaic, NJ 07055» view map
Criminal Defense & Divorce and Family Law
Competent Legal Representation

Founded in 2005, Torres Legal is a Law Firm based in Passaic, NJ whose goal is to provide individuals in need with competent legal representation.

800-761-6810
1. Jose Torres Passaic, NJ
  Attorney at Law, NJ
  Florida Coastal School of Law, LL.M. 2003
2. AboutTorres Legal
  Competent Legal Representation
3. Practice AreasExpertise
  Criminal Defense & Divorce and Family Law
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Kerri Ann Mcdowell

Landlord-Tenant, Criminal, Bankruptcy, Car Accident

Status: In Good Standing Licensed: 17 Years

CONTACT

4 Essex Ave, Bernardsville, NJ 07924

Gregory Pasquale

State & Local Agencies, Government, Bankruptcy, Civil Rights

Status: In Good Standing

CONTACT

Bernardsville, NJ 07924

Terrence Bernard Berger

Estate, Business, Contract, Real Estate, Bankruptcy & Debt

Status: In Good Standing Licensed: 35 Years

CONTACT

35 Olcott Square, Bernardsville, NJ 07924

Kathleen Cavanaugh

Banking & Finance, Litigation, Bankruptcy

Status: In Good Standing

CONTACT

150 Morristown Road, Bernardsville, NJ 07924

A. Gregory D'Alessandro

Business Organization, Collection, Products Liability, Medical Malpractice

Status: In Good Standing

CONTACT

2 North Finley Avenue, Basking Ridge, NJ 07920

Harry Carr

Bankruptcy, Car Accident

Status: In Good Standing

CONTACT

Lyons, NJ 07939

John Mcguire

Real Estate, Industry Specialties, Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 37 Years

CONTACT

1300 Mt. Kemble Avenue, Morristown, NJ 07960

Neil M Sullivan

Mass Torts, Energy, Antitrust, Credit & Debt

Status: In Good Standing Licensed: 31 Years

CONTACT

1300 Mount Kemble Ave, Morristown, NJ 07962

David M. Feldman

Litigation, Bankruptcy & Debt

Status: In Good Standing Licensed: 33 Years

CONTACT

1 Verizon Way, Basking Ridge, NJ 07920

Howard O Thompson

Industry Specialties, Social Security, Contract, Bankruptcy

Status: In Good Standing

CONTACT

1099 Mt Kemble Ave, Morristown, NJ 07960

800-923-0641

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LEGAL TERMS

FDCPA

See Fair Debt Collections & Practices Act.

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.

FRATERNAL BENEFIT SOCIETY BENEFITS

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal socie... (more...)

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal societies that provide benefits. Also called benefit society, benevolent society or mutual aid association benefits. Under bankruptcy laws, these benefits are virtually always considered exempt property.

REAFFIRMATION

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing deb... (more...)

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing debt after the bankruptcy case is over. For instance, a debtor might make a reaffirmation agreement with the holder of a car note that the debtor can keep the car and must continue to pay the debt after bankruptcy.

DEFINED CONTRIBUTION PLAN

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount ... (more...)

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount every month, or every year, for each employee. The employer usually pays a fixed percentage of an employee's wages or salary, although sometimes the amount is a fraction of the company's profits, with the size of each employee's pension share depending on the amount of wage or salary. Upon retirement, each employee's pension is determined by how much was contributed to the fund on behalf of that employee over the years, plus whatever earnings that money has accumulated as part of the investments of the entire pension fund.

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.

LIQUIDATING PARTNER

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

LIMITED PARTNERSHIP

A business structure that allows one or more partners (called limited partners) to enjoy limited personal liability for partnership debts while another partner ... (more...)

A business structure that allows one or more partners (called limited partners) to enjoy limited personal liability for partnership debts while another partner or partners (called general partners) have unlimited personal liability. The key difference between a general and limited partner concerns management decision making--general partners run the business, and limited partners, who are usually passive investors, are not allowed to make day-to-day business decisions. If they do, they risk being treated as general partners with unlimited personal liability.

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

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Bernardsville Bankruptcy & Debt Lawyer, New Jersey

Sponsored Law Firm

Torres Legal

SPONSORED LAWYERS

Kerri Ann Mcdowell

Gregory Pasquale

Terrence Bernard Berger

Kathleen Cavanaugh

A. Gregory D'Alessandro

Harry Carr

John Mcguire

Neil M Sullivan

David M. Feldman

Howard O Thompson

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LEGAL TERMS

FDCPA

ACCORD AND SATISFACTION

FRATERNAL BENEFIT SOCIETY BENEFITS

REAFFIRMATION

DEFINED CONTRIBUTION PLAN

INTEREST

LIQUIDATING PARTNER

LIMITED PARTNERSHIP

LIEN

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