Liberty Corner Bankruptcy & Debt Lawyer, New Jersey

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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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Brenda Rediess-Hoosein

Government, Agriculture, Reorganization

Status: In Good Standing Licensed: 37 Years

CONTACT

Liberty Corner, NJ 07938

Brenda Jean Rediess Hoosein

General Practice

Status: In Good Standing Licensed: 37 Years

CONTACT

Liberty Corner, NJ 07938

Brenda J Rediess-Hoosein

Government, Agriculture, Reorganization

Status: In Good Standing Licensed: 37 Years

CONTACT

Liberty Corner, NJ 07938

Paul Rhodes Duffy

Education, Business Organization, Collection, Car Accident

Status: In Good Standing

CONTACT

3648 Valley Rd, Liberty Corner, NJ 07938

Robert Frank Simon

Commercial Real Estate, Litigation, Transactions, Commercial Bankruptcy

Status: In Good Standing Licensed: 33 Years

CONTACT

25 Independence Blvd, Warren, NJ 07059

Gary Steven Jacobson

Lawsuit & Dispute, Business, Bankruptcy & Debt

Status: Retired

CONTACT

25 Independence Blvd., Warren, NJ 07059

Karra Lynn Kingston

Credit & Debt, Bankruptcy & Debt

Status: In Good Standing

CONTACT

22 Juniper Way, Basking Ridge, NJ 07920

Scott S. Rever

Bankruptcy & Debt

Status: In Good Standing Licensed: 30 Years

CONTACT

110 Allen Rd, Basking Ridge, NJ 07920

Daniel M Stolz

Bankruptcy & Debt

Status: In Good Standing Licensed: 44 Years

CONTACT

110 Allen Rd, Basking Ridge, NJ 07920

Daniel M Stolz

Bankruptcy & Debt

Status: In Good Standing Licensed: 44 Years

CONTACT

110 Allen Rd, Basking Ridge, NJ 07920

800-923-0641

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LEGAL TERMS

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

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.

GENERAL PARTNER

A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the... (more...)

A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the business's debts and obligations. A general partner's actions can legally bind the entire business. See also partnership, limited partnership.

CREDITOR

A person or entity (such as a bank) to whom a debt is owed.

DEBT COLLECTOR

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe... (more...)

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe. Debt collectors can be relentless, often using scare tactics, humiliation and repeated phone calls to extract payments or promises to pay.

NO-FAULT INSURANCE

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain ... (more...)

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain amount, regardless of who was at fault. The effect of no-fault insurance laws is to eliminate lawsuits in small accidents. The advantage is the prompt payment of medical bills and expenses. The downsides are that the amounts paid by no-fault policies are often not enough to fully cover a person's losses and that no-fault does not compensate for pain and suffering.

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.

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Liberty Corner Bankruptcy & Debt Lawyer, New Jersey

Sponsored Law Firm

Torres Legal

SPONSORED LAWYERS

Brenda Rediess-Hoosein

Brenda Jean Rediess Hoosein

Brenda J Rediess-Hoosein

Paul Rhodes Duffy

Robert Frank Simon

Gary Steven Jacobson

Karra Lynn Kingston

Scott S. Rever

Daniel M Stolz

Daniel M Stolz

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LEGAL TERMS

SETOFF

GRACE PERIOD

DISCHARGEABLE DEBTS

PRESUMED ABUSE

GENERAL PARTNER

CREDITOR

DEBT COLLECTOR

NO-FAULT INSURANCE

CHAPTER 13 PLAN

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