Dobbs Ferry Bankruptcy & Debt Lawyer, New York, page 3

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Jesus Cachaya
About | Practice Areas
Osorio Cachaya Law Offices, PLLC
203 E Post Rd 1st Floor White Plains, NY 10601» view map
Accident & Injury, Criminal, Family, Immigration
Experienced Legal Assistance!

Osorio Cachaya Law Offices, PLLC is a family-owned law office that has been offering a team approach to legal issues since 1999.Se Hablamos Espanol

800-318-9750
1. Jesus Cachaya White Plains, NY
  Attorney at Law- NY
  Capital University Law School, JD 2008
2. AboutOsorio Cachaya Law Offices, PLLC
  Experienced Legal Assistance!
3. Practice AreasExpertise
  Accident & Injury
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Erica Robin Aisner

Real Estate, Business, Bankruptcy & Debt

Status: Licensed: 22 Years

CONTACT

700 Post Rd, Scarsdale, NY 10583

Erina Fitzgerald

Real Estate, Bankruptcy & Debt

Status: Licensed: 10 Years

CONTACT

565 Taxter Rd, Elmsford, NY 10523

Howard Owen Godnick

Business, Bankruptcy & Debt

Status:

CONTACT

900 Third Avenue, Scarsdale, NY 10583

Howard Martin Gurock

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

Status: Licensed: 37 Years

CONTACT

33 Rockland Park Ave, Tappan, NY 10983

Irving H. Picard

Business, Bankruptcy & Debt, Employment Discrimination, Bankruptcy

Status: Licensed: 58 Years

CONTACT

1 Christie Place, Scarsdale, NY 10583

Jason Lawrence Portnoy

Lawsuit & Dispute, Business, Bankruptcy & Debt

Status: Licensed: 21 Years

CONTACT

777 Old Saw Mill River Rd, Tarrytown, NY 10591

Jeannine Padula Goche

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

Status:

CONTACT

575 White Plains Rd, Tuckahoe, NY 10709

Jeffrey Stephen Lowenthal

Merger & Acquisition, Corporate, Business, Bankruptcy & Debt

Status: Licensed: 41 Years

CONTACT

127 Brite Avenue, Scarsdale, NY 10583

Joanne Pisano

Divorce & Family Law, Business, Bankruptcy & Debt

Status: Licensed: 36 Years

CONTACT

1250 Central Park Ave, Yonkers, NY 10704

Jody L. Kava

Real Estate, Bankruptcy & Debt

Status: Licensed: 40 Years

CONTACT

399 Knollwood Road, White Plains, NY 10603

800-923-0641

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LEGAL TERMS

CREDIT FILE

See credit report.

DEBIT CARD

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can ... (more...)

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can also be used at stores to pay for goods and services in place of a check. Unlike a credit card, a debit card automatically withdraws money from your checking account at the time of the transaction. Debit cards are regulated by the Electronic Funds Transfer Act.

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily fu... (more...)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily funded by voluntary donations from the creditors that receive payments from debtors repaying their debts through that office. Despite this criticism, most CCCS counselors provide clients with thorough and neutral advice.

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

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.

LIMITED LIABILITY

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or ... (more...)

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or a person who invests in a corporation (a shareholder) generally stands to lose only the amount of money invested in the business. This means that if the business folds, creditors cannot seize or sell an owner's home, car, or other personal assets.

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.

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

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Dobbs Ferry Bankruptcy & Debt Lawyer, New York, page 3

Sponsored Law Firm

Osorio Cachaya Law Offices, PLLC

SPONSORED LAWYERS

Erica Robin Aisner

Erina Fitzgerald

Howard Owen Godnick

Howard Martin Gurock

Irving H. Picard

Jason Lawrence Portnoy

Jeannine Padula Goche

Jeffrey Stephen Lowenthal

Joanne Pisano

Jody L. Kava

TIPS

LEGAL TERMS

CREDIT FILE

DEBIT CARD

TRUTH IN LENDING ACT (TILA)

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

GRACE PERIOD

PRESUMED ABUSE

LIMITED LIABILITY

SOLE PROPRIETORSHIP

CREDIT REPORT

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