Ridgewood Bankruptcy & Debt Lawyer, New York

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Gehi & Associates Lawyer

Gehi & Associates

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Chukwudi M. Chigewe Lawyer

Chukwudi M. Chigewe

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Admission in NM; Immigration Matters Only in NY

Chukwudi M. Chigewe is a practicing lawyer in the state of New Mexico. Attorney Chigewe received his J.D. from the Thomas M. Cooley School of Law in 2... (more)

Vivian Mortimer Williams Lawyer

Vivian Mortimer Williams

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Landlord-Tenant, Immigration, Criminal, Bankruptcy, Personal Injury

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Cesar  Gonzalez Lawyer

Cesar Gonzalez

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Divorce & Family Law, Family Law, Criminal, Immigration, Bankruptcy & Debt
EXPERIENCE WHEN IT MATTERS MOST

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Alan Julius Goldberg Lawyer

Alan Julius Goldberg

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Accident & Injury, Bankruptcy & Debt, Real Estate, Landlord-Tenant

GOLDBERG & LINDENBERG, P.C. was founded in January 1981, by Alan J. Goldberg, Esq. The firm has continually grown and expanded into a full service ... (more)

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Jose A. Camacho Lawyer

Jose A. Camacho

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David  Molot Lawyer

David Molot

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The Law Office of David Molot is a full service law firm that provides excellent representation throughout the state of New York and all throughout th... (more)

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Christopher Pierre Anderson Lawyer

Christopher Pierre Anderson

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Estate Planning, Civil Rights, Business & Trade, Bankruptcy, Landlord-Tenant

Christopher Anderson is a practicing lawyer in the state of New York handling a variety of legal matters.

Jayson  Lutzky Lawyer

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)

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Gregory M. Messer Lawyer

Gregory M. Messer

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Bankruptcy & Debt, Bankruptcy, Credit & Debt

Providing debt relief for individual and business clients in the New York City area for more than three decades Gregory Messer, a principal in The ... (more)

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LEGAL TERMS

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.'

NONDISCHARGEABLE DEBTS

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chap... (more...)
Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chapter 13 bankruptcy, the nondischargeable debts will have to be paid in full during your plan or you will have a balance at the end of your case. Examples of nondischargeable debts include alimony and child support, most income tax debts, many student loans and debts for personal injury or death caused by drunk driving. Compare dischargeable debts.

NUISANCE FEES

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fe... (more...)
Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fees, inactivity fees and fees for not carrying a balance from month to month. It's best to shop around and get rid of cards that have these fees attached.

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.

CREDIT FILE

See credit report.

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.

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)
A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemp... (more...)
In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemptible because it has been damaged or destroyed.

DEFINED CONTRIBUTION PLAN

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount ... (more...)
A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount every month, or every year, for each employee. The employer usually pays a fixed percentage of an employee's wages or salary, although sometimes the amount is a fraction of the company's profits, with the size of each employee's pension share depending on the amount of wage or salary. Upon retirement, each employee's pension is determined by how much was contributed to the fund on behalf of that employee over the years, plus whatever earnings that money has accumulated as part of the investments of the entire pension fund.