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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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A. Gregory D'Alessandro

Business Organization, Collection, Products Liability, Medical Malpractice

Status: In Good Standing

CONTACT

2 North Finley Avenue, Basking Ridge, NJ 07920

Andrew Winchell

Securities, Business, Bankruptcy

Status: In Good Standing Licensed: 28 Years

CONTACT

90 Washington Valley Rd, Bedminster, NJ 07921

Anthony Reitano

Environmental Law Other, Environmental Law, Divorce & Family Law, Credit & Debt

Status: In Good Standing

CONTACT

Warren, NJ 07059

Brenda J Rediess-Hoosein

Government, Agriculture, Reorganization

Status: In Good Standing Licensed: 37 Years

CONTACT

Liberty Corner, NJ 07938

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

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

David Elnathan Finch

Real Estate, Estate, Divorce & Family Law, Bankruptcy & Debt

Status: In Good Standing Licensed: 29 Years

CONTACT

991 Route 22 West, Bridgewater, NJ 08807

David M. Feldman

Litigation, Bankruptcy & Debt

Status: In Good Standing Licensed: 33 Years

CONTACT

1 Verizon Way, Basking Ridge, NJ 07920

800-923-0641

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LEGAL TERMS

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily fu... (more...)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily funded by voluntary donations from the creditors that receive payments from debtors repaying their debts through that office. Despite this criticism, most CCCS counselors provide clients with thorough and neutral advice.

FRAUDULENT TRANSFER

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee --... (more...)

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee -- for instance, when a debtor signs a car over to a relative to keep it out of the bankruptcy estate. Fraudulently transferred property can be recovered and sold by the trustee for the benefit 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.

ADMINISTRATIVE EXPENSES

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Admi... (more...)

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Administrative costs are typically 10% of the debtor's total payments under the plan.

S CORPORATION

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status fro... (more...)

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status from the Internal Revenue Service. Electing to do business as an S corporation lets shareholders enjoy limited liability status, as would be true of any corporation, but be taxed like a partnership or sole proprietor. That is, instead of being taxed as a separate entity (as would be the case with a regular or C corporation) an S corporation is a pass-through tax entity: income taxes are reported and paid by the shareholders, not the S corporation. To qualify as an S corporation a number of IRS rules must be met, such as a limit of 75 shareholders and citizenship requirements.

FCBA

See Fair Credit Billing Act.

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.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

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.

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Liberty Corner Bankruptcy & Debt Lawyer, New Jersey

Sponsored Law Firm

Torres Legal

SPONSORED LAWYERS

A. Gregory D'Alessandro

Andrew Winchell

Anthony Reitano

Brenda J Rediess-Hoosein

Brenda Rediess-Hoosein

Brenda Jean Rediess Hoosein

Daniel M Stolz

Daniel M Stolz

David Elnathan Finch

David M. Feldman

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LEGAL TERMS

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

FRAUDULENT TRANSFER

CURRENT MONTHLY INCOME

ADMINISTRATIVE EXPENSES

S CORPORATION

FCBA

CREDIT INSURANCE

INTEREST

LIMITED PARTNERSHIP

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