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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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Michael P. Otto

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Bankruptcy & Debt, Divorce & Family Law, Traffic, Real Estate Other, Consumer Protection

Michael Otto was born and raised in Iowa. Mr. Otto received a B.S. in Marketing from Iowa State University in 1990, where he was a member of the Golde... (more)

FREE CONSULTATION

CONTACT

800-998-7210

1030 Stelton Road, Piscataway, NJ 08854

Alan Cosner

Estate, Elder Law, Divorce & Family Law, Bankruptcy & Debt, Tax

Status: In Good Standing

FREE CONSULTATION

CONTACT

197 Highway 18, East Brunswick, NJ 08816

John Charles Allen

Criminal, Bankruptcy & Debt, Family Law, Immigration, Lawsuit & Dispute

Status: In Good Standing Licensed: 30 Years

CONTACT

292 Livingston Avenue, New Brunswick, NJ 08901

Robert Colby

Landlord-Tenant, Employment, Business, Collection

Status: In Good Standing

CONTACT

73 Church Street, New Brunswick, NJ 08901

Jeffrey Brown

Adoption, Property & Casualty, Bankruptcy & Debt, Residential Real Estate, Child Support

CONTACT

4 Cornwall Drive, East Brunswick, NJ 08816

Allen B. Gillman

Credit & Debt, Collection, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 44 Years

CONTACT

770 Amboy Ave, Edison, NJ 08837

Sean Malin

International Tax, Wills & Probate, Estate Planning, Bankruptcy

Status: In Good Standing

CONTACT

73 Church Street, New Brunswick, NJ 08901

Mark Silber

Bankruptcy & Debt, Defect and Lemon Law, Products Liability, Consumer Rights, Lawsuit & Dispute

Status: In Good Standing

CONTACT

10 Station Place, Metuchen, NJ 08840

Paul Shur

Banking & Finance, Bankruptcy, Corporate

Status: In Good Standing Licensed: 47 Years

CONTACT

120 Albany Street Plaza, New Brunswick, NJ 08901

Rebecca Schore

Bankruptcy

Status: In Good Standing

CONTACT

Highland Park, NJ 08904

800-923-0641

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LEGAL TERMS

BULK SALES LAW

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to ... (more...)

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to conduct a bulk sale of business assets -- that is, get rid of an unusually large amount of inventory, merchandise or equipment -- the business owner must typically publish a notice of the sale and give written notice to creditors. Then, the owner must set up an account to hold the funds from the sale for a brief period of time during which creditors may make claims against the money. The prohibition against bulk sales is spelled out in the Uniform Commercial Code -- and laws modeled on the UCC have been generally adopted throughout the country.

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.

CHAPTER 7 BANKRUPTCY

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 b... (more...)

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 bankruptcy takes from three to six months, costs about $200, and commonly requires only one trip to the courthouse.

CREDIT FILE

See credit report.

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.

TOXIC TORT

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and su... (more...)

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and suffering.

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.

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.

LIQUIDATING PARTNER

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

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Highland Park Bankruptcy & Debt Lawyer, New Jersey

Sponsored Law Firm

Torres Legal

SPONSORED LAWYERS

Michael P. Otto

Alan Cosner

John Charles Allen

Robert Colby

Jeffrey Brown

Allen B. Gillman

Sean Malin

Mark Silber

Paul Shur

Rebecca Schore

TIPS

LEGAL TERMS

BULK SALES LAW

IRS EXPENSES

CHAPTER 7 BANKRUPTCY

CREDIT FILE

CREDIT INSURANCE

TOXIC TORT

REAFFIRMATION

REDEMPTION

LIQUIDATING PARTNER

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