Canaseraga Bankruptcy & Debt Lawyer, New York

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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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Anthony Charles Parlato

Employment, Divorce & Family Law, Bankruptcy & Debt, Accident & Injury

Status: Licensed: 36 Years

CONTACT

400 Seven Day Rd, Darien Center, NY 14040

Christine Valkenburgh

Real Estate, Government, Business, Bankruptcy & Debt

Status: Licensed: 35 Years

CONTACT

7 E Steuben St, Bath, NY 14810

David Leigh Metzler

Traffic, Industry Specialties, Business, Bankruptcy & Debt

Status: Licensed: 54 Years

CONTACT

104 Bank St, Batavia, NY 14020

Dennis R. Dawson

Bankruptcy

Status: Licensed: 47 Years

CONTACT

Geneseo, NY 14454

Frank J. Beretta

International, Divorce & Family Law, Bankruptcy & Debt

Status: Licensed: 41 Years

CONTACT

Pittsford-Victor Road, Victor, NY 14564

Frederick Matthew Rarick

Criminal, Bankruptcy

Status: Licensed: 42 Years

CONTACT

39 Ellicott St, Batavia, NY 14020

Heather C. Engel

Bankruptcy, Bankruptcy

Status: Licensed: 31 Years

CONTACT

16 Old French Rd, Honeoye Falls, NY 14472

James Matthew Wujcik

Real Estate, Business, Bankruptcy & Debt

Status: Licensed: 19 Years

CONTACT

11 Exchange St, Attica, NY 14011

John Albert Cappellini

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

Status: Licensed: 28 Years

CONTACT

1 East Main St., Cuba, NY 14727

John Francis Mckeown

Social Security, DUI-DWI, Bankruptcy, Bankruptcy & Debt

Status: Licensed: 41 Years

CONTACT

53 Assembly Dr, Mendon, NY 14506

800-814-6700

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LEGAL TERMS

CREDIT FILE

See credit report.

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

CREDIT INSURANCE

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay o... (more...)

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay off the remaining balance. Federal and state consumer protection laws require the lender to disclose to existing and potential borrowers the terms and costs of obtaining credit insurance because it can affect the terms of the loan.

CCCS

See Consumer Credit Counseling Service.

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.

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

CHAPTER 13 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.

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.

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Canaseraga Bankruptcy & Debt Lawyer, New York

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

Anthony Charles Parlato

Christine Valkenburgh

David Leigh Metzler

Dennis R. Dawson

Frank J. Beretta

Frederick Matthew Rarick

Heather C. Engel

James Matthew Wujcik

John Albert Cappellini

John Francis Mckeown

TIPS

LEGAL TERMS

CREDIT FILE

LIEN

CREDIT INSURANCE

CCCS

NONDISCHARGEABLE DEBTS

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

CURRENT MONTHLY INCOME

CHAPTER 13 BANKRUPTCY

GUARANTEED RESERVATION

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