Chappaqua Bankruptcy & Debt Lawyer, New York

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Jesus Cachaya
About | Practice Areas
Osorio Cachaya Law Offices, PLLC
203 E Post Rd 1st Floor White Plains, NY 10601» view map
Accident & Injury, Criminal, Family, Immigration
Experienced Legal Assistance!

Osorio Cachaya Law Offices, PLLC is a family-owned law office that has been offering a team approach to legal issues since 1999.Se Hablamos Espanol

800-318-9750
1. Jesus Cachaya White Plains, NY
  Attorney at Law- NY
  Capital University Law School, JD 2008
2. AboutOsorio Cachaya Law Offices, PLLC
  Experienced Legal Assistance!
3. Practice AreasExpertise
  Accident & Injury
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Prassana Mahadeva

Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 22 Years

CONTACT

80 Business Park Drive, Armonk, NY 10504

Matthew Michael Siti

Foreclosure, Litigation, Election & Political, Bankruptcy

Status: In Good Standing Licensed: 10 Years

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80 Business Park Dr, Armonk, NY 10504

Paul Francis Jenkins

Bankruptcy

Status: In Good Standing Licensed: 29 Years

CONTACT

80 Business Park Dr, Armonk, NY 10504

Warren Scott Gottlieb

Lawsuit & Dispute, Government, Corporate, Collection

Status: In Good Standing Licensed: 28 Years

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80 Business Park Drive, Armonk, NY 10504

Jo-Ann Theresa Lambert

Other, Lawsuit & Dispute, Government, Bankruptcy & Debt

Status: In Good Standing Licensed: 23 Years

CONTACT

80 Business Park Drive, Armonk, NY 10504

Eric Justin Finkelstein

Lawsuit & Dispute, Employment, Bankruptcy & Debt

Status: In Good Standing Licensed: 15 Years

CONTACT

1 North Castle Dr, Armonk, NY 10504

Allison Elizabeth Ianni

Other, Lawsuit & Dispute, Civil & Human Rights, Bankruptcy

Status: In Good Standing Licensed: 17 Years

CONTACT

403 Main St, Armonk, NY 10504

Marianne Otoole

Bankruptcy & Debt

Status: In Good Standing Licensed: 35 Years

CONTACT

2 Depot Plaza, Bedford Hills, NY 10507

Marianne T. O'Toole

Lawsuit & Dispute, Divorce, DUI-DWI, Bankruptcy

Status: In Good Standing Licensed: 35 Years

CONTACT

2 Depot Plaza, Bedford Hills, NY 10507

John Stephen Sillings

Real Estate, Estate, Bankruptcy & Debt

Status: In Good Standing Licensed: 34 Years

CONTACT

30 Meadow Rd, Briarcliff Manor, NY 10510

800-923-0641

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LEGAL TERMS

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

REPOSSESSION

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and ... (more...)

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and has not attempted to work with the lender to resolve the problem. A repossessor can't use force to get at your car, but he can legally hot-wire it and even drive it out of your unlocked garage.

LOSS DAMAGE WAIVER (LDW)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it ofte... (more...)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it often duplicates coverage provided by the renter's regular car insurance and/or the credit card she uses to rent the car. Nevertheless, hard-sell practices by rental car agents often dupe people into buying LDWs they don't really need. LDW is also called 'collision damage waiver.'

CCCS

See Consumer Credit Counseling Service.

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

FDCPA

See Fair Debt Collections & Practices Act.

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

DEBIT CARD

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can ... (more...)

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can also be used at stores to pay for goods and services in place of a check. Unlike a credit card, a debit card automatically withdraws money from your checking account at the time of the transaction. Debit cards are regulated by the Electronic Funds Transfer Act.

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.

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Chappaqua Bankruptcy & Debt Lawyer, New York

Sponsored Law Firm

Osorio Cachaya Law Offices, PLLC

SPONSORED LAWYERS

Prassana Mahadeva

Matthew Michael Siti

Paul Francis Jenkins

Warren Scott Gottlieb

Jo-Ann Theresa Lambert

Eric Justin Finkelstein

Allison Elizabeth Ianni

Marianne Otoole

Marianne T. O'Toole

John Stephen Sillings

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LEGAL TERMS

DISPOSABLE INCOME

REPOSSESSION

LOSS DAMAGE WAIVER (LDW)

CCCS

REDEMPTION

FDCPA

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

DEBIT CARD

REAFFIRMATION

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