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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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Bonita C. Leadem

Bankruptcy, Construction, Environmental Law, Insurance

Status: In Good Standing

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4105 US Rte. 1, Monmouth Junction, NJ 08852

Eric Rochkind

Real Estate, Child Support, Credit & Debt, Slip & Fall Accident

Status: In Good Standing

CONTACT

3146 State Route 27, Kendall Park, NJ 08824

Dale Console

Family Law, Bankruptcy

Status: In Good Standing

CONTACT

Kingston, NJ 08528

Michael Richmond

Trusts, Real Estate, Criminal, Bankruptcy

Status: In Good Standing

CONTACT

Monmouth Junction, NJ 08852

Russell U. Schenkman

Government, Estate, Business, Credit & Debt

Status: In Good Standing Licensed: 42 Years

CONTACT

13 Roszel Rd, Princeton, NJ 08540

Gurpreet S. Walia

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

Status: In Good Standing Licensed: 16 Years

CONTACT

100 Overlook Ctr, Princeton, NJ 08540

Ayesha Hamilton

Affirmative Action, Americans with Disabilities Act , Civil Rights, Collection

Status: In Good Standing Licensed: 26 Years

CONTACT

13 Roszel Rd, Princeton, NJ 08540

Naeem Akhtar

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

Status: Retired Licensed: 12 Years

CONTACT

103 Carnegie Ctr, Princeton, NJ 08540

Robert Aubrey Rich

Intellectual Property, Government, Bankruptcy & Debt

Status: In Good Standing Licensed: 39 Years

CONTACT

103 Carnegie Center Drive, Princeton, NJ 08540

Daniel Alan Ross

General Practice

Status: In Good Standing

CONTACT

21 Roszel Road, Princeton, NJ 08543

800-923-0641

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LEGAL TERMS

TRADE NAME

The official name of a business, the one it uses on its letterhead and bank account when not dealing with consumers.

FAIR LABOR STANDARDS ACT (FLSA)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements ... (more...)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements for overtime and places restrictions on child labor.

DEFINED CONTRIBUTION PLAN

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount ... (more...)

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount every month, or every year, for each employee. The employer usually pays a fixed percentage of an employee's wages or salary, although sometimes the amount is a fraction of the company's profits, with the size of each employee's pension share depending on the amount of wage or salary. Upon retirement, each employee's pension is determined by how much was contributed to the fund on behalf of that employee over the years, plus whatever earnings that money has accumulated as part of the investments of the entire pension fund.

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

CREDIT FILE

See credit report.

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.

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.

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.

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.'

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Kingston Bankruptcy & Debt Lawyer, New Jersey

Sponsored Law Firm

Torres Legal

SPONSORED LAWYERS

Bonita C. Leadem

Eric Rochkind

Dale Console

Michael Richmond

Russell U. Schenkman

Gurpreet S. Walia

Ayesha Hamilton

Naeem Akhtar

Robert Aubrey Rich

Daniel Alan Ross

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LEGAL TERMS

TRADE NAME

FAIR LABOR STANDARDS ACT (FLSA)

DEFINED CONTRIBUTION PLAN

GUARANTOR

CREDIT FILE

WINDING UP

CREDIT INSURANCE

CURRENT MONTHLY INCOME

LOSS DAMAGE WAIVER (LDW)

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