Allegany County, NY Reorganization Lawyers, page 3

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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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James Timothy Embser

Trusts, Estate Planning, Construction, Housing & Urban Development

Status: Licensed: 64 Years

CONTACT

164 N Main St, Wellsville, NY 14895

Jerry Alan Fowler

General Practice

Status: Licensed: 49 Years

CONTACT

35 Glen St, Alfred, NY 14802

Jerry A Fowler

General Practice

Status: Licensed: 51 Years

CONTACT

Rd 1, Almond, NY 14804

John Albert Cappellini

White Collar Crime, Estate Planning, Bankruptcy, Contract, Natural Resources

Status: Licensed: 27 Years

CONTACT

1 East Main St., Cuba, NY 14727

Karen M. Perrigo

General Practice

Status: Licensed: 31 Years

CONTACT

Cuba, NY 14727

Keith A. Slep

General Practice

Status: Licensed: 36 Years

CONTACT

7 Court St, Belmont, NY 14813

Leo J. Murphy

Other, Lawsuit & Dispute, Industry Specialties

Status: Licensed: 53 Years

CONTACT

Cuba, NY 14727

Leslie J. Haggstrom

General Practice

Status: Licensed: 47 Years

CONTACT

47 West Main Street, Angelica, NY 14709

Marc I. Woltag

General Practice

Status: Licensed: 50 Years

CONTACT

164 N Main St, Wellsville, NY 14895

Maureen A. Hauselt

General Practice

Status: Licensed: 36 Years

CONTACT

120 N Main St, Wellsville, NY 14895

800-923-0641

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LEGAL TERMS

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

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.

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.

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.

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.

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.

ABUSE

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because ... (more...)

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because the debtor appears to have enough disposable income to fund a Chapter 13 repayment plan.

WORKOUT

A debtor's plan to take care of a debt, by paying it off or through loan forgiveness. Workouts are often created to avoid bankruptcy or foreclosure proceedings.

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.

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Allegany County, NY Reorganization Lawyers, page 3

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

James Timothy Embser

Jerry Alan Fowler

Jerry A Fowler

John Albert Cappellini

Karen M. Perrigo

Keith A. Slep

Leo J. Murphy

Leslie J. Haggstrom

Marc I. Woltag

Maureen A. Hauselt

TIPS

LEGAL TERMS

REDEMPTION

INTEREST

GUARANTEED RESERVATION

COLLECTION AGENCY

MEETING OF CREDITORS

PRESUMED ABUSE

ABUSE

WORKOUT

FORBEARANCE

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