Mount Vernon Bankruptcy & Debt Lawyer, New York

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Jesus Cachaya
About | Practice Areas
Osorio Cachaya Law Offices, PLLC
203 E Post Rd 1st Floor White Plains, NY 10601» view map
Accident & Injury, Criminal, Family, Immigration
Experienced Legal Assistance!

Osorio Cachaya Law Offices, PLLC is a family-owned law office that has been offering a team approach to legal issues since 1999.Se Hablamos Espanol

800-318-9750
1. Jesus Cachaya White Plains, NY
  Attorney at Law- NY
  Capital University Law School, JD 2008
2. AboutOsorio Cachaya Law Offices, PLLC
  Experienced Legal Assistance!
3. Practice AreasExpertise
  Accident & Injury
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Jayson Lutzky

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Accident & Injury, Bankruptcy, Divorce & Family Law, Estate, Real Estate

Jayson Lutzky has 30 years of proven legal experience, both as a trial litigator and as a tough negotiator. His reasonably priced legal representation... (more)

FREE CONSULTATION

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800-781-4910

1740 Hone Avenue, Bronx, NY 10461

Anne Michelle Littwin

Real Estate, Estate, Civil & Human Rights, Bankruptcy & Debt

Status: In Good Standing Licensed: 25 Years

CONTACT

3725 Henry Hudson Pkwy, Bronx, NY 10463

Arthur Jay Teichberg

Real Estate, Estate, Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 66 Years

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78 Stratton St S, Yonkers, NY 10701

Benjamin Rosenberg

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

Status: In Good Standing Licensed: 34 Years

CONTACT

1425 E. Gun Hill Road, Bronx, NY 10469

Brie A. E. Steingarten

Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 23 Years

CONTACT

44 Lyncroft Road, New Rochelle, NY 10804

Bruce Bronson

Sales & Use Tax, Litigation, Business, Bankruptcy

Status: In Good Standing

CONTACT

600 Mamaroneck Avenue, Harrison, NY 10528

Candi J. Fulop

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

Status: In Good Standing Licensed: 44 Years

CONTACT

500 Mamaroneck Ave, Harrison, NY 10528

Caren P Bailey

Collection

Status: In Good Standing Licensed: 22 Years

CONTACT

145 Huguenot St, New Rochelle, NY 10801

Carlos Jose Cuevas

Contract, Business, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 42 Years

CONTACT

1250 Central Park Ave, Yonkers, NY 10704

Charles H. Spiegel

Industry Specialties, Occupational Safety & Health, Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 60 Years

CONTACT

2622 E Tremont Ave, Bronx, NY 10461

800-923-0641

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LEGAL TERMS

FORBEARANCE

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily ... (more...)

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily postponing or reducing the borrower's payments.

CHAPTER 7 BANKRUPTCY

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 b... (more...)

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 bankruptcy takes from three to six months, costs about $200, and commonly requires only one trip to the courthouse.

COLLATERAL

Property that guarantees payment of a secured debt.

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.

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.

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.

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.

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.

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Mount Vernon Bankruptcy & Debt Lawyer, New York

Sponsored Law Firm

Osorio Cachaya Law Offices, PLLC

SPONSORED LAWYERS

Jayson Lutzky

Anne Michelle Littwin

Arthur Jay Teichberg

Benjamin Rosenberg

Brie A. E. Steingarten

Bruce Bronson

Candi J. Fulop

Caren P Bailey

Carlos Jose Cuevas

Charles H. Spiegel

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LEGAL TERMS

FORBEARANCE

CHAPTER 7 BANKRUPTCY

COLLATERAL

SECRET WARRANTY PROGRAM

CURRENT MONTHLY INCOME

INTEREST

FAIR LABOR STANDARDS ACT (FLSA)

FRATERNAL BENEFIT SOCIETY BENEFITS

COLLECTION AGENCY

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