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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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Wayne A. Watkinson

Foreclosure, Business Organization, Administrative Law, Consumer Bankruptcy

Status: In Good Standing

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1460 Route 9 North, Woodbridge, NJ 07095

Richard David Chusid

Lawsuit & Dispute, Credit & Debt, Business Organization, Securities Fraud

Status: In Good Standing

FREE CONSULTATION

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2444 Morris Ave., Union, NJ 07083

W. Raymond Felton

Securities, Corporate, Banking & Finance, Reorganization

Status: In Good Standing

CONTACT

99 Wood Avenue South, Woodbridge, NJ 07095

Leah Capece

Credit & Debt, Collection, Bankruptcy, Bankruptcy & Debt

FREE CONSULTATION

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1139 E Jersey St, Elizabeth, NJ 07201

Julio Sanchez

Accident & Injury, Bankruptcy & Debt, Immigration, Municipal, Workers' Compensation

Status: In Good Standing

CONTACT

425 Elmora Avenue, Elizabeth, NJ 07208

Allen J. Barkin

Commercial Real Estate, Alimony & Spousal Support, Banking & Finance, Collection

Status: In Good Standing Licensed: 44 Years

CONTACT

1110 Springfield Road, Union, NJ 07083

Mary Mcfield

Commercial Real Estate, Bankruptcy, Personal Injury, Accident & Injury

Status: In Good Standing

CONTACT

1209 E Grand St, Elizabeth, NJ 07201

Benjamin J. Ginter

Criminal, Bankruptcy, Bed Bug, Animal Bite

Status: In Good Standing Licensed: 22 Years

CONTACT

34 Forest Ave, Cranford, NJ 07016

James D. Derose

Products Liability, Business, Consumer Bankruptcy

Status: In Good Standing

CONTACT

53 Cardinal Dr, Westfield, NJ 07091

Caroline Cooper

Intellectual Property, Family Law, Corporate, Bankruptcy

Status: In Good Standing

CONTACT

Elizabeth, NJ 07201

800-923-0641

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LEGAL TERMS

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 COUNSELING

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Unde... (more...)

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Under the new bankruptcy law, a debtor must undergo credit counseling with an approved provider before filing for bankruptcy.

LIQUIDATING PARTNER

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

DEBIT CARD

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can ... (more...)

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can also be used at stores to pay for goods and services in place of a check. Unlike a credit card, a debit card automatically withdraws money from your checking account at the time of the transaction. Debit cards are regulated by the Electronic Funds Transfer Act.

SUBROGATION

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off i... (more...)

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off its injured claimant takes the legal rights the claimant has against a third party that caused the injury, and sues that third party.

FRATERNAL BENEFIT SOCIETY BENEFITS

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal socie... (more...)

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal societies that provide benefits. Also called benefit society, benevolent society or mutual aid association benefits. Under bankruptcy laws, these benefits are virtually always considered exempt property.

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.'

NONEXEMPT PROPERTY

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typicall... (more...)

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typically includes valuable clothing (furs) and electronic equipment, an expensive car that's been paid off and most of the equity in your house. Compare exempt property.

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

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Linden Bankruptcy & Debt Lawyer, New Jersey

Sponsored Law Firm

Torres Legal

SPONSORED LAWYERS

Wayne A. Watkinson

Richard David Chusid

W. Raymond Felton

Leah Capece

Julio Sanchez

Allen J. Barkin

Mary Mcfield

Benjamin J. Ginter

James D. Derose

Caroline Cooper

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LEGAL TERMS

GUARANTOR

CREDIT COUNSELING

LIQUIDATING PARTNER

DEBIT CARD

SUBROGATION

FRATERNAL BENEFIT SOCIETY BENEFITS

LOSS DAMAGE WAIVER (LDW)

NONEXEMPT PROPERTY

GARNISHMENT

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