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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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Geraldene Sherr Duswalt

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Divorce & Family Law, Bankruptcy & Debt

Full service law firm dedicated to helping people solve their problems and move on with their lives.

I have been helping people in New Jersey and New York resolve their legal problems for twenty nine years. During this time, I have learned that infor... (more)

FREE CONSULTATION

CONTACT

800-903-7740

1812 Front Street, Scotch Plains, NJ 07076

Corinne Gurski

Collection, Construction, Environmental Law, Mental Health

Status: In Good Standing

CONTACT

127 Main Street, Chatham, NJ 07928

Shevelle Mcpherson

Criminal, Bankruptcy & Debt, Accident & Injury

Status: In Good Standing Licensed: 23 Years

CONTACT

2 South Ave E, Cranford, NJ 07016

Shevelle McPherson

Criminal, Bankruptcy & Debt, Accident & Injury

Status: In Good Standing Licensed: 23 Years

CONTACT

2 South Ave E, Cranford, NJ 07016

Benjamin J. Ginter

Criminal, Bankruptcy, Bed Bug, Animal Bite

Status: In Good Standing Licensed: 22 Years

CONTACT

34 Forest Ave, Cranford, NJ 07016

Jessica Lauren Voto

Insurance, Collection, Personal Injury, Car Accident

Status: In Good Standing Licensed: 11 Years

CONTACT

213 South Ave E, Cranford, NJ 07016

Jessica Lauren Voto

Business, Bankruptcy & Debt, Personal Injury, Accident & Injury

Status: In Good Standing Licensed: 11 Years

CONTACT

213 South Ave E, Cranford, NJ 07016

Jessica Lauren Voto

Business, Bankruptcy & Debt, Personal Injury, Accident & Injury

Status: In Good Standing Licensed: 11 Years

CONTACT

213 South Ave E, Cranford, NJ 07016

Francis D Mc Intyre

Divorce & Family Law, Business, Commercial Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 33 Years

CONTACT

316 East Broad St, Westfield, NJ 07090

Rebecca Schore

Other, Real Estate, Consumer Rights, Bankruptcy & Debt

Status: In Good Standing Licensed: 33 Years

CONTACT

316 E Broad St, Westfield, NJ 07090

800-923-0641

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LEGAL TERMS

FAIR CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

CCCS

See Consumer Credit Counseling Service.

SECURED DEBT

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collater... (more...)

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collateral, to satisfy the debt if you default. Compare unsecured debt.

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.'

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.

HOUSEHOLDER

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a ho... (more...)

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a homestead exemption and possibly other exemptions relating to the maintenance of the household.

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.

SUBROGATION

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off i... (more...)

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off its injured claimant takes the legal rights the claimant has against a third party that caused the injury, and sues that third party.

WINDING UP

The process of paying off expenses and creditors, settling accounts, and collecting and distributing (to shareholders and owners) whatever assets then remain, a... (more...)

The process of paying off expenses and creditors, settling accounts, and collecting and distributing (to shareholders and owners) whatever assets then remain, all with the ultimate goal of liquidating or closing down a corporation or partnership.

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Garwood Bankruptcy & Debt Lawyer, New Jersey

Sponsored Law Firm

Torres Legal

SPONSORED LAWYERS

Geraldene Sherr Duswalt

Corinne Gurski

Shevelle Mcpherson

Shevelle McPherson

Benjamin J. Ginter

Jessica Lauren Voto

Jessica Lauren Voto

Jessica Lauren Voto

Francis D Mc Intyre

Rebecca Schore

TIPS

LEGAL TERMS

FAIR CREDIT REPORTING ACT (FCRA)

CCCS

SECURED DEBT

LOSS DAMAGE WAIVER (LDW)

INTEREST

HOUSEHOLDER

SOLE PROPRIETORSHIP

SUBROGATION

WINDING UP

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