Roselle Park Bankruptcy & Debt Lawyer, New Jersey

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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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Andrew B. Sobel

Landlord-Tenant, Estate Planning, Family Law, Credit & Debt

Status: In Good Standing

CONTACT

691 Elizabeth Ave, Newark, NJ 07112

Sarah Jane Jelin

Real Estate, Lawsuit & Dispute, Bankruptcy & Debt

Status: In Good Standing Licensed: 45 Years

CONTACT

330 Central Ave, Clark, NJ 07066

Komal Ullah

Landlord-Tenant, Family Law, Civil Rights, Collection

Status: In Good Standing

CONTACT

136 Central Avenue, Clark, NJ 07066

Christopher Canada

Estate, Divorce & Family Law, Criminal, Bankruptcy & Debt

Status: Retired Licensed: 30 Years

CONTACT

21 Brant Avenue, Clark, NJ 07066

Jon-Henry Barr

Pharmaceutical Product, Municipal, Collection, Defamation & Slander

Status: In Good Standing

CONTACT

21 Brant Ave, Clark, NJ 07066

Maria Tsitsiragos

Real Estate, Bankruptcy & Debt

Status: In Good Standing Licensed: 42 Years

CONTACT

118 Westfield Avenue, Clark, NJ 07066

Jeremias E Batista

General Practice

Status: In Good Standing Licensed: 19 Years

CONTACT

1373 Broad St, Clifton, NJ 07013

John Michael Falzone

Real Estate, Divorce & Family Law, Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 40 Years

CONTACT

800 Inman Ave, Colonia, NJ 07067

John Michael Falzone

Real Estate, Government, Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 40 Years

CONTACT

800 Inman Ave, Colonia, NJ 07067

Shevelle Mcpherson

Criminal, Bankruptcy & Debt, Accident & Injury

Status: In Good Standing Licensed: 23 Years

CONTACT

2 South Ave E, Cranford, NJ 07016

800-923-0641

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LEGAL TERMS

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.

AUTOMATIC STAY

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities,... (more...)

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities, such as filing or continuing lawsuits, making written requests for payment, or notifying credit reporting bureaus of an unpaid debt.

UNSECURED DEBT

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only reme... (more...)

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only remedy is to sue you and get a judgment. Compare secured debt.

NO-FAULT INSURANCE

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain ... (more...)

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain amount, regardless of who was at fault. The effect of no-fault insurance laws is to eliminate lawsuits in small accidents. The advantage is the prompt payment of medical bills and expenses. The downsides are that the amounts paid by no-fault policies are often not enough to fully cover a person's losses and that no-fault does not compensate for pain and suffering.

SECURED DEBT

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collater... (more...)

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collateral, to satisfy the debt if you default. Compare unsecured debt.

PRIORITY DEBT

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13... (more...)

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13 bankruptcy. Priority debts include alimony and child support, fees owed to the trustee and the attorney in the bankruptcy case, and wages owed to employees.

BANKRUPTCY TRUSTEE

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is t... (more...)

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is to gather the debtor's nonexempt property, liquidate it and distribute it proportionally to her creditors. In a Chapter 13 case, the trustee's role is to receive the debtor's monthly payments and distribute them proportionally to her creditors.

BULK SALES LAW

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to ... (more...)

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to conduct a bulk sale of business assets -- that is, get rid of an unusually large amount of inventory, merchandise or equipment -- the business owner must typically publish a notice of the sale and give written notice to creditors. Then, the owner must set up an account to hold the funds from the sale for a brief period of time during which creditors may make claims against the money. The prohibition against bulk sales is spelled out in the Uniform Commercial Code -- and laws modeled on the UCC have been generally adopted throughout the country.

DOING BUSINESS AS (DBA)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or ... (more...)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or similar document with the appropriate agency -- for example, the county clerk. This enables consumers to discover the names of the business owners, which is important if a consumer needs to sue the business.

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Roselle Park Bankruptcy & Debt Lawyer, New Jersey

Sponsored Law Firm

Torres Legal

SPONSORED LAWYERS

Andrew B. Sobel

Sarah Jane Jelin

Komal Ullah

Christopher Canada

Jon-Henry Barr

Maria Tsitsiragos

Jeremias E Batista

John Michael Falzone

John Michael Falzone

Shevelle Mcpherson

TIPS

LEGAL TERMS

DISPOSABLE INCOME

AUTOMATIC STAY

UNSECURED DEBT

NO-FAULT INSURANCE

SECURED DEBT

PRIORITY DEBT

BANKRUPTCY TRUSTEE

BULK SALES LAW

DOING BUSINESS AS (DBA)

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