Patterson Bankruptcy & Debt Lawyer, New York

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Thomas John Minotti Lawyer

Thomas John Minotti

VERIFIED
Bankruptcy & Debt, Accident & Injury

Mr. Minotti received his Bachelors Degree from Pace University in 1995 and his Juris Doctor Degree from Pace University School of Law in 1998. Upon gr... (more)

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800-918-5290

Nancy Corrigan

Consumer Protection, Litigation, Business Organization, Credit & Debt
Status:  In Good Standing           

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Lester Forest

Consumer Bankruptcy, Estate, Civil Rights, Bankruptcy & Debt
Status:  In Good Standing           Licensed:  43 Years

Dario Di Lello

Land Use & Zoning, Wills & Probate, Bankruptcy, Personal Injury
Status:  In Good Standing           

Thomas Genova

Contract, Banking & Finance, Credit & Debt, Bankruptcy
Status:  In Good Standing           

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Dario Dilello

Commercial Real Estate, Bankruptcy, Bankruptcy & Debt, Personal Injury
Status:  In Good Standing           

Andrea Malin

Banking & Finance, Contract, Bankruptcy, Credit & Debt
Status:  In Good Standing           Licensed:  34 Years

Thomas F. Vasti

Complex Litigation, Criminal, Contract, Collection
Status:  In Good Standing           Licensed:  33 Years

Dena Ghobashy

Real Estate, Immigration, Criminal, Bankruptcy & Debt
Status:  In Good Standing           Licensed:  14 Years

Jay Wolf Ungerman

Bankruptcy
Status:  Inactive           Licensed:  63 Years

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Free Help: Use This Form or Call 800-943-8690

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LEGAL TERMS

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.

FDCPA

See Fair Debt Collections & Practices Act.

UNDUE HARDSHIP

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in t... (more...)
The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in the future to pay off the loan may be able to show that repayment would be an undue hardship.

FCRA

See Fair Credit Reporting Act.

FCBA

See Fair Credit Billing Act.

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.'

REAFFIRMATION

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing deb... (more...)
An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing debt after the bankruptcy case is over. For instance, a debtor might make a reaffirmation agreement with the holder of a car note that the debtor can keep the car and must continue to pay the debt after bankruptcy.

GUARANTEED RESERVATION

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehic... (more...)
A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehicle for you no matter when you show up. If you have a guaranteed reservation with a hotel, it must provide you with a room, either at that hotel or at another comparable establishment. If you have a guaranteed reservation with a car agency, it must provide you with a vehicle. The downside of a guaranteed reservation is that if you don't show up and haven't cancelled your reservation, you will be billed for one night in the room or one day's use of the vehicle.

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.