Albany County, NY Workout Lawyers

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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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Timothy S. Brennan

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Accident & Injury, Civil & Human Rights, Employment, Lawsuit & Dispute, Consumer Rights

“When a client selects our office to represent them, it is a great honor. Our clients trust us to navigate them through the rigors of a high-stakes ... (more)

FREE CONSULTATION

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800-908-2611

300 Great Oaks Blvd, Albany, NY 12203

Ryan M. Finn

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Accident & Injury, Civil & Human Rights, Employment, Criminal, Business

Attorney Ryan Finn of Finn Law Offices has worked for big law firms and he knows how they approach a legal conflict. He is well known and well respect... (more)

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800-872-6030

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Howard Michael Koff

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Tax

Mr. Koff decided to dedicate his time guiding clients and their businesses through IRS law in the Albany, NY area. As a former appellate attorney, Kof... (more)

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518-369-6500

21 Everett Rd, Albany, NY 12205

John Joseph Phelan

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Accident & Injury, Lawsuit & Dispute

Litigation attorney since 1983 specializing in all facets of trial work with over 125 jury verdicts in that time period representing both defendants a... (more)

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800-899-6210

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Kevin Michael Colwell

Divorce & Family Law, Child Custody

Published WorksThe Rights of Non-Custodial Parents in New York

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518-203-1592

200 Great Oaks Blvd, Albany, NY 12203

Michael J. Moore

Eminent Domain, Federal Appellate Practice, Cleanup & Superfund, Administrative Law

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Executive Woods, 5 Palisades Drive, Albany, NY 12205

Catherine A. Barber

Litigation, Leisure, Corporate, Administrative Law

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226 Great Oaks Boulevard, Albany, NY 12203

Peter G. Barber

Litigation, Government Contract, Corporate, Personal Injury

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226 Great Oaks Boulevard, Albany, NY 12203

George J. Hoffman

Litigation, Class Action, Environmental Law, Insurance

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20 Corporate Woods Boulevard, Albany, NY 12211

Michael E Cusack

Estate Planning, Environmental Law, Contract, Business Organization

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Executive Woods, 5 Palisades Drive, Albany, NY 12205

800-814-6700

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LEGAL TERMS

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.

FAIR CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

TRADE DRESS

The distinctive packaging or design of a product that promotes the product and distinguishes it from other products in the marketplace -- for example, the shape... (more...)

The distinctive packaging or design of a product that promotes the product and distinguishes it from other products in the marketplace -- for example, the shape of Frangelico liqueur bottles. Trade dress can be protected under trademark law if a showing can be made that the average consumer would likely be confused as to product origin if another product were allowed to appear in similar dress.

ACCORD AND SATISFACTION

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collectin... (more...)

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collecting as much money as they can from debtors who cannot pay the full amount.

SOLE PROPRIETORSHIP

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, m... (more...)

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, meaning that business profits are reported and taxed on the owner's personal tax return. Setting up a sole proprietorship is cheap and easy since no legal formation documents need be filed with any governmental agency (although tax registration and other permit and license requirements may still apply). Once you file a fictitious name statement (assuming you don't use your own name) and obtain any required basic tax permits and business licenses, you'll be in business. The main downside of a sole proprietorship is that its owner is personally liable for all business debts.

REPOSSESSION

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and ... (more...)

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and has not attempted to work with the lender to resolve the problem. A repossessor can't use force to get at your car, but he can legally hot-wire it and even drive it out of your unlocked garage.

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.

S CORPORATION

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status fro... (more...)

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status from the Internal Revenue Service. Electing to do business as an S corporation lets shareholders enjoy limited liability status, as would be true of any corporation, but be taxed like a partnership or sole proprietor. That is, instead of being taxed as a separate entity (as would be the case with a regular or C corporation) an S corporation is a pass-through tax entity: income taxes are reported and paid by the shareholders, not the S corporation. To qualify as an S corporation a number of IRS rules must be met, such as a limit of 75 shareholders and citizenship requirements.

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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Albany County, NY Workout Lawyers

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

Timothy S. Brennan

Ryan M. Finn

Howard Michael Koff

John Joseph Phelan

Kevin Michael Colwell

Michael J. Moore

Catherine A. Barber

Peter G. Barber

George J. Hoffman

Michael E Cusack

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LEGAL TERMS

PRESUMED ABUSE

FAIR CREDIT REPORTING ACT (FCRA)

TRADE DRESS

ACCORD AND SATISFACTION

SOLE PROPRIETORSHIP

REPOSSESSION

INTEREST

S CORPORATION

COLLECTION AGENCY

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