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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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Lee Matthew Van Houten

Alimony & Spousal Support, Bankruptcy, Collection, Criminal

Status:

CONTACT

104-114 North Cayuga Street, Ithaca, NY 14850

Raja N. Sekharan

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

Status:

CONTACT

60 Central Ave, Cortland, NY 13045

Keith D. Dayton

Military & Veterans Appeals, Motor Vehicle, Criminal, Bankruptcy & Debt

Status: Licensed: 32 Years

CONTACT

20 Groton Avenue, Cortland, NY 13045

Francis James Casullo

Real Estate, Lawsuit & Dispute, Government, Bankruptcy & Debt

Status: Licensed: 35 Years

CONTACT

16 Tompkins St, Cortland, NY 13045

Gerald D. Raymond

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

Status: Licensed: 34 Years

CONTACT

60 Central Avenue, Cortland, NY 13045

Victoria J. Monty

Real Estate, Immigration, Criminal, Bankruptcy & Debt

Status: Licensed: 23 Years

CONTACT

60 Central Ave, Cortland, NY 13045

Daniel Jay Ellis

Divorce & Family Law, Criminal, Bankruptcy, Products Liability

Status:

CONTACT

34 Tompkins St, Cortland, NY 13045

Amanda Chapman Shaw

Collection

Status: Licensed: 31 Years

CONTACT

7693 State Route 281, Tully, NY 13159

Timothy Grant Riehlman

Real Estate, Bankruptcy & Debt

Status: Licensed: 50 Years

CONTACT

7693 State Route 281, Tully, NY 13159

Andrew Tyler Velonis

Accident & Injury, Bankruptcy, Divorce

Status: Licensed: 41 Years

CONTACT

PO Box 690, Tully, NY 13159

800-814-6700

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LEGAL TERMS

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.

CREDIT COUNSELING

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Unde... (more...)

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Under the new bankruptcy law, a debtor must undergo credit counseling with an approved provider before filing for bankruptcy.

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.

LIABILITY

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pi... (more...)

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pipe bursts the day after Paul installs it, ruining the bathroom floor. This raises the issue of liability: Who is responsible for the damage? Peri claims that Paul is responsible, and sues him for the cost of hiring another plumber to fix the pipe and replacing the floor. Paul, in turn, claims that the pipe manufacturer is responsible, because they supplied him with faulty materials. Both Peri and Paul must prove their claims in court; if Paul and/or the manufacturer is found liable, one or both will have to pay damages to Peri. (2) Something for which a person is liable. For example, a debt is often called a liability.

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.

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.

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

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.

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

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Cortland Bankruptcy & Debt Lawyer, New York

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

Lee Matthew Van Houten

Raja N. Sekharan

Keith D. Dayton

Francis James Casullo

Gerald D. Raymond

Victoria J. Monty

Daniel Jay Ellis

Amanda Chapman Shaw

Timothy Grant Riehlman

Andrew Tyler Velonis

TIPS

LEGAL TERMS

UNSECURED DEBT

CREDIT COUNSELING

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

LIABILITY

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

NUISANCE FEES

IRS EXPENSES

REDEMPTION

SETOFF

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