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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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Jesus Antonio Cachaya

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Accident & Injury, Criminal, Divorce & Family Law, Immigration, Bankruptcy & Debt

We have offices located in Westchester, White Plains and New York City and we represent clients throughout all of New York State in various legal matt... (more)

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CONTACT

800-318-9750

203 E Post Rd, White Plains, NY 10601

Michael H. Schwartz

Foreclosure, Reorganization, Credit & Debt, Consumer Bankruptcy

Status: In Good Standing Licensed: 42 Years

FREE CONSULTATION

CONTACT

One Water Street, White Plains, NY 10601

James Rufo

Bankruptcy & Debt, Foreclosure, Real Estate Other, Consumer Bankruptcy

Status: In Good Standing

FREE CONSULTATION

CONTACT

1133 Westchester Ave., White Plains, NY 10604

Peter Ackerman

Government, Insurance, Collection

Status: In Good Standing Licensed: 47 Years

CONTACT

222 Mamaroneck Ave, White Plains, NY 10605

Donald H. London

Immigration, Bankruptcy & Debt, Visa

Status: In Good Standing Licensed: 42 Years

CONTACT

984 North Broadway, Yonkers, NY 10701

Gerard P. Brady

Construction, Real Estate, Banking & Finance, Credit & Debt

Status: In Good Standing Licensed: 38 Years

CONTACT

11 Martine Avenue, White Plains, NY 10606

Erica R. Feynman

Bankruptcy

Status: In Good Standing

CONTACT

One North Lexington Avenue, White Plains, NY 10601

Julie A. Cvek

Bankruptcy

Status: In Good Standing

CONTACT

One North Lexington Avenue, White Plains, NY 10601

Robert L. Rattet

Government, Child Custody, Bankruptcy

Status: In Good Standing

CONTACT

One North Lexington Avenue, White Plains, NY 10601

Kenneth Busman

Construction, Family Law, Divorce, Bankruptcy

Status: In Good Standing Licensed: 46 Years

CONTACT

175 Main St, White Plains, NY 10601

800-923-0641

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800-943-8690

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LEGAL TERMS

NONEXEMPT PROPERTY

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typicall... (more...)

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typically includes valuable clothing (furs) and electronic equipment, an expensive car that's been paid off and most of the equity in your house. Compare exempt property.

DISCHARGEABLE DEBTS

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bill... (more...)

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bills and medical bills. Compare nondischargeable debts.

PRESUMED ABUSE

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means te... (more...)

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means test, the court will presume that the debtor has sufficient income to fund a Chapter 13 plan. In this situation, the debtor will not be allowed to proceed with a Chapter 7 bankruptcy unless the debtor can prove that he or she is not abusing the Chapter 7 bankruptcy remedy.

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

INFRINGEMENT (OF TRADEMARK)

Unauthorized use of a protected trademark or service mark, or use of something very similar to a protected mark. The success of a lawsuit to stop the infringeme... (more...)

Unauthorized use of a protected trademark or service mark, or use of something very similar to a protected mark. The success of a lawsuit to stop the infringement turns on whether the defendant's use causes a likelihood of confusion in the average consumer. If a court determines that the average consumer would be confused, the owner of the original mark can prevent the other's use of the infringing mark and sometimes collect damages.

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

CREDIT INSURANCE

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay o... (more...)

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay off the remaining balance. Federal and state consumer protection laws require the lender to disclose to existing and potential borrowers the terms and costs of obtaining credit insurance because it can affect the terms of the loan.

CREDIT BUREAU

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit... (more...)

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit card companies that use the information to screen applicants for loans and credit cards. There are three major credit bureaus, Equifax, Experian and Trans Union, and they are regulated by the federal Fair Credit Reporting Act.

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Hartsdale Bankruptcy & Debt Lawyer, New York

Sponsored Law Firm

Osorio Cachaya Law Offices, PLLC

SPONSORED LAWYERS

Jesus Antonio Cachaya

Michael H. Schwartz

James Rufo

Peter Ackerman

Donald H. London

Gerard P. Brady

Erica R. Feynman

Julie A. Cvek

Robert L. Rattet

Kenneth Busman

TIPS

LEGAL TERMS

NONEXEMPT PROPERTY

DISCHARGEABLE DEBTS

PRESUMED ABUSE

IRS EXPENSES

MEANS TEST

INFRINGEMENT (OF TRADEMARK)

FAIR CREDIT BILLING ACT (FCBA)

CREDIT INSURANCE

CREDIT BUREAU

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