Elizabeth Bankruptcy & Debt Lawyer, New Jersey

Sponsored Law Firm

x
Click For More Info:

Jose Torres
About | Practice Areas
Torres Legal
129 Prospect St Passaic, NJ 07055» view map
Criminal Defense & Divorce and Family Law
Competent Legal Representation

Founded in 2005, Torres Legal is a Law Firm based in Passaic, NJ whose goal is to provide individuals in need with competent legal representation.

800-761-6810
1. Jose Torres Passaic, NJ
  Attorney at Law, NJ
  Florida Coastal School of Law, LL.M. 2003
2. AboutTorres Legal
  Competent Legal Representation
3. Practice AreasExpertise
  Criminal Defense & Divorce and Family Law
1. Contact
2. Email
3. Refer
5. Visit:
6. Website
7. Profile

John W. King

✓ VERIFIED

Accident & Injury, Bankruptcy & Debt, Criminal, DUI-DWI, Health Care

Full service law firm that specializes in Personal Injury, Auto Accidents, Slip and Fall/Premises liability, Dog Bites, Truck and Motorcycle Accidents... (more)

FREE CONSULTATION

CONTACT

973-862-1949

17 Academy Street, Newark, NJ 07102

Andrew H. Graulich

✓ VERIFIED

Accident & Injury, Workers' Compensation, Car Accident, Personal Injury, Credit & Debt

The hallmark of Mr. Graulich’s practice is client service. He provides personalized legal representation to clients based on their backgrounds, need... (more)

CONTACT

800-711-7571

17 Academy Street, Newark, NJ 07102

James Joseph Fitzpatrick

Banking & Finance, Corporate, Credit & Debt, Estate Planning

Status: In Good Standing

CONTACT

One Gateway Center, Newark, NJ 07102

Albert L Lancellotti

Bankruptcy

Status: In Good Standing

FREE CONSULTATION

CONTACT

17 Academy Street, Newark, NJ 07102

Andrew B. Sobel

Landlord-Tenant, Estate Planning, Family Law, Credit & Debt

Status: In Good Standing

CONTACT

691 Elizabeth Ave, Newark, NJ 07112

Richard David Chusid

Lawsuit & Dispute, Credit & Debt, Business Organization, Securities Fraud

Status: In Good Standing

FREE CONSULTATION

CONTACT

2444 Morris Ave., Union, NJ 07083

Leah Capece

Credit & Debt, Collection, Bankruptcy, Bankruptcy & Debt

FREE CONSULTATION

CONTACT

1139 E Jersey St, Elizabeth, NJ 07201

Filipe Pedroso

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

Status: In Good Standing Licensed: 28 Years

FREE CONSULTATION

CONTACT

8 Wilson Avenue, Newark, NJ 07105

Julio Sanchez

Accident & Injury, Bankruptcy & Debt, Immigration, Municipal, Workers' Compensation

Status: In Good Standing

CONTACT

425 Elmora Avenue, Elizabeth, NJ 07208

Philip D. Stern

Class Action, Credit & Debt, Collection, Bankruptcy & Debt

Status: In Good Standing

CONTACT

697 Valley Street, Maplewood, NJ 07040

800-923-0641

Free Help: Use This Form or Call 800-943-8690

Call me for fastest results!
800-943-8690

Free Help: Use This Form or Call 800-943-8690

By submitting this lawyer request, I confirm I have read and agree to the Consent to Receive Messages from all messaging and voice technologies including Email, Text, Phone, Terms of Use, and Privacy Policy. Information provided is not privileged or confidential.

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.

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.

HOUSEHOLDER

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a ho... (more...)

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a homestead exemption and possibly other exemptions relating to the maintenance of the household.

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

401(K) PLAN

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income ... (more...)

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income taxes on the amount invested and any earnings are due until the employee withdraws money from the fund.

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

DEBT COLLECTOR

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe... (more...)

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe. Debt collectors can be relentless, often using scare tactics, humiliation and repeated phone calls to extract payments or promises to pay.

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.

PREFERENCE

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commer... (more...)

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commercial creditors) and within one year for insider creditors (friends, family members, and business associates). Because a preference gives the creditor who received the payment an edge over other creditors in the bankruptcy case, the trustee can recover the preference (the amount of the payment) and distribute it among all of the creditors.

SORT BY:

FILTER BY:

Free Consultation
Male
Female
Suspended

Elizabeth Bankruptcy & Debt Lawyer, New Jersey

Sponsored Law Firm

Torres Legal

SPONSORED LAWYERS

John W. King

Andrew H. Graulich

James Joseph Fitzpatrick

Albert L Lancellotti

Andrew B. Sobel

Richard David Chusid

Leah Capece

Filipe Pedroso

Julio Sanchez

Philip D. Stern

TIPS

LEGAL TERMS

UNSECURED DEBT

WORKOUT

HOUSEHOLDER

DISPOSABLE INCOME

401(K) PLAN

COSIGNER

DEBT COLLECTOR

SOLE PROPRIETORSHIP

PREFERENCE

SORT BY:

FILTER BY:

PRACTICE AREAS

NEARBY CITY SUGGESTIONS

Lawyer.com Legal Protection Plan

Premium Membership

Additional Services

Resources

My Account Details