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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

Ellen Miriam Fisher

Real Estate, Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 31 Years

CONTACT

406 Raritan Ave, New Brunswick, NJ 08904

Rebecca Schore

Bankruptcy

Status: In Good Standing

CONTACT

Highland Park, NJ 08904

Robert Colby

Landlord-Tenant, Employment, Business, Collection

Status: In Good Standing

CONTACT

73 Church Street, New Brunswick, NJ 08901

Sean Malin

International Tax, Wills & Probate, Estate Planning, Bankruptcy

Status: In Good Standing

CONTACT

73 Church Street, New Brunswick, NJ 08901

Melinda Colon Cox

Lawsuit & Dispute, Intellectual Property, Government, Bankruptcy & Debt

Status: In Good Standing Licensed: 17 Years

CONTACT

100 Albany St, New Brunswick, NJ 08901

Daniel R. Lasar

Real Estate, Immigration, Estate, Bankruptcy & Debt

Status: In Good Standing

CONTACT

1581 Route 27, Edison, NJ 08817

Ronaldo C George

Real Estate, Lawsuit & Dispute, Bankruptcy & Debt

Status: In Good Standing Licensed: 21 Years

CONTACT

335 George St, New Brunswick, NJ 08901

Andrew Neil Kessler

Real Estate, Litigation, Environmental Law, Bankruptcy & Debt

Status: In Good Standing

CONTACT

40 Paterson St, New Brunswick, NJ 08901

Andrew Neil Kessler

Real Estate, Litigation, Environmental Law, Bankruptcy & Debt

Status: In Good Standing

CONTACT

40 Paterson St, New Brunswick, NJ 08901

800-923-0641

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LEGAL TERMS

CHAPTER 13 PLAN

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to ... (more...)

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to pay all mandatory debts -- for example, back child support, taxes, and mortgage arrearages -- as well as some or all unsecured, nonpriority debts, such as medical and credit card bills.

PREFERENCE

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commer... (more...)

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commercial creditors) and within one year for insider creditors (friends, family members, and business associates). Because a preference gives the creditor who received the payment an edge over other creditors in the bankruptcy case, the trustee can recover the preference (the amount of the payment) and distribute it among all of the creditors.

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

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.

COLLATERAL

Property that guarantees payment of a secured debt.

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

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.'

WORKOUT

A debtor's plan to take care of a debt, by paying it off or through loan forgiveness. Workouts are often created to avoid bankruptcy or foreclosure proceedings.

CYBERSQUATTING

Buying a domain name that reflects the name of a business or famous person with the intent of selling the name back to the business or celebrity for a profit. T... (more...)

Buying a domain name that reflects the name of a business or famous person with the intent of selling the name back to the business or celebrity for a profit. The Anticybersquatting Consumer Protection Act of 1999 authorizes a cybersquatting victim to file a federal lawsuit to regain a domain name or sue for financial compensation. Under the act, registering, selling or using a domain name with the intent to profit from someone else's good name is considered cybersquatting. Victims of cybersquatting can also use the provisions of the Uniform Domain Name Dispute Resolution Policy adopted by ICANN, an international tribunal administering domain names. This international policy results in arbitration of the dispute, not litigation.

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Highland Park Bankruptcy & Debt Lawyer, New Jersey

Sponsored Law Firm

Torres Legal

SPONSORED LAWYERS

Michael P. Otto

Ellen Miriam Fisher

Rebecca Schore

Robert Colby

Sean Malin

Melinda Colon Cox

Daniel R. Lasar

Ronaldo C George

Andrew Neil Kessler

Andrew Neil Kessler

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LEGAL TERMS

CHAPTER 13 PLAN

PREFERENCE

CURRENT MONTHLY INCOME

LIMITED PARTNERSHIP

COLLATERAL

COSIGNER

LOSS DAMAGE WAIVER (LDW)

WORKOUT

CYBERSQUATTING

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