Merrillan Bankruptcy & Debt Lawyer, Wisconsin

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Abraham Michelson
About | Practice Areas
The Michelson Law Office
203 North Lasalle Street Suite 2100 Chicago, IL 60601Â» view map
Bankruptcy, Chapter 7, Chapter 13
Chicago Bankruptcy Lawyer

When your finances are at stake, choose the best. Don't sink deeper in debt. Contact The Michelson Law Office

800-824-6431
1. Abraham Michelson Chicago, IL
  Attorney at Law - Illinois, 2013
  Thomas Cooley, JD, 2004
2. AboutAbraham Michelson
  Our legal team can advise you on your options for negotiating a solution.
3. Practice AreasServices
  Find out how an experienced attorney can help end calls and prevent lawsuits.
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Berton Dale Sherman

Banking & Finance, Bankruptcy, Corporate, Business Organization

Status: In Good Standing

FREE CONSULTATION

CONTACT

104 Main Street, Black River Falls, WI 54615

Russell D. Nicolet

Bankruptcy & Debt, Accident & Injury, Workers' Compensation, Social Security -- Disability, Mass Torts

Status: In Good Standing Licensed: 18 Years

FREE CONSULTATION

CONTACT

402 Graham Ave., Eau Claire, WI 54701

John W. Jokela

Bankruptcy & Debt, Credit & Debt, Bankruptcy Litigation, Bankruptcy

Status: In Good Standing Licensed: 50 Years

CONTACT

1901 Brackett Ave, Eau Claire, WI 54701

Daniel R. Freund

Credit & Debt, Collection, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 41 Years

CONTACT

920 S Farwell St, Eau Claire, WI 54701

Lee J. Fehr

Accident & Injury, Bankruptcy, Estate, Real Estate

Status: In Good Standing Licensed: 35 Years

CONTACT

205 Green Street, Onalaska, WI 54650

Eric Wiechert

International Tax, Construction, Bankruptcy

Status: In Good Standing

CONTACT

126 N Barstow St., Eau Claire, WI 54702

Jon Elton Stanek

Consumer Rights, Civil Rights, Consumer Bankruptcy, Bankruptcy

Status: In Good Standing Licensed: 19 Years

CONTACT

Eau Claire, WI 54703

Janet M. McDonough

Bankruptcy & Debt, Divorce & Family Law, Estate

Status: In Good Standing Licensed: 28 Years

CONTACT

103 North Bridge Street, Chippewa Falls, WI 54729

Brian Howard Wright

Employment, Criminal, Litigation, Bankruptcy

Status: In Good Standing Licensed: 32 Years

CONTACT

116 West Grand Avenue, Eau Claire, WI 54702

Ardis A. Cray

Criminal, Family Law, Estate Planning, Bankruptcy

Status: Inactive Licensed: 47 Years

CONTACT

12259 65Th Ave, Chippewa Falls, WI 54729

800-923-0641

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LEGAL TERMS

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.

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.

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.

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.

FDCPA

See Fair Debt Collections & Practices Act.

FCBA

See Fair Credit Billing Act.

SECRET WARRANTY PROGRAM

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid... (more...)

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid a recall and the accompanying bad press. Secret warranties are rarely advertised by the manufacturer, so consumers must pursue the manufacturer to discover and take advantage of them. A few states require manufacturers to notify car buyers when they adopt secret warranty programs.

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

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Merrillan Bankruptcy & Debt Lawyer, Wisconsin

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

Berton Dale Sherman

Russell D. Nicolet

John W. Jokela

Daniel R. Freund

Lee J. Fehr

Eric Wiechert

Jon Elton Stanek

Janet M. McDonough

Brian Howard Wright

Ardis A. Cray

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LEGAL TERMS

CURRENT MONTHLY INCOME

INTEREST

CREDIT INSURANCE

PRESUMED ABUSE

FDCPA

FCBA

SECRET WARRANTY PROGRAM

COLLECTION AGENCY

DISPOSABLE INCOME

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