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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
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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

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 B. Sobel

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

Status: In Good Standing

CONTACT

691 Elizabeth Ave, Newark, NJ 07112

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

Michael A. Orozco

DUI-DWI, Bankruptcy, Family Law, Business, Criminal

Status: In Good Standing

FREE CONSULTATION

CONTACT

744 Broad Street, Newark, NJ 07102

Maria Tsitsiragos

Real Estate, Bankruptcy & Debt

Status: In Good Standing Licensed: 43 Years

CONTACT

118 Westfield Avenue, Clark, NJ 07066

Jeremias E Batista

General Practice

Status: In Good Standing Licensed: 19 Years

CONTACT

1373 Broad St, Clifton, NJ 07013

Thomas DeLuca

Construction Contracts, Social Security, Collection, Personal Injury

Status: In Good Standing

CONTACT

524 South Ave. E., Cranford, NJ 07016

Ellen Ann Geyette

Other, Lawsuit & Dispute, Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 27 Years

CONTACT

10 Wall Street, Cranford, NJ 07016

800-923-0641

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LEGAL TERMS

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).

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.

CHAPTER 13 PLAN

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to ... (more...)

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to pay all mandatory debts -- for example, back child support, taxes, and mortgage arrearages -- as well as some or all unsecured, nonpriority debts, such as medical and credit card bills.

INFRINGEMENT (OF TRADEMARK)

Unauthorized use of a protected trademark or service mark, or use of something very similar to a protected mark. The success of a lawsuit to stop the infringeme... (more...)

Unauthorized use of a protected trademark or service mark, or use of something very similar to a protected mark. The success of a lawsuit to stop the infringement turns on whether the defendant's use causes a likelihood of confusion in the average consumer. If a court determines that the average consumer would be confused, the owner of the original mark can prevent the other's use of the infringing mark and sometimes collect damages.

LIQUIDATING PARTNER

The member of an insolvent or dissolving partnership responsible for paying the debts and settling the accounts of the partnership.

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.

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.

CHAPTER 7 BANKRUPTCY

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 b... (more...)

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 bankruptcy takes from three to six months, costs about $200, and commonly requires only one trip to the courthouse.

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.

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Elizabeth Bankruptcy & Debt Lawyer, New Jersey

Sponsored Law Firm

Torres Legal

SPONSORED LAWYERS

Andrew H. Graulich

John W. King

Andrew B. Sobel

James Joseph Fitzpatrick

Albert L Lancellotti

Michael A. Orozco

Maria Tsitsiragos

Jeremias E Batista

Thomas DeLuca

Ellen Ann Geyette

TIPS

LEGAL TERMS

LIEN

CHAPTER 13 BANKRUPTCY

CHAPTER 13 PLAN

INFRINGEMENT (OF TRADEMARK)

LIQUIDATING PARTNER

UNSECURED DEBT

NONDISCHARGEABLE DEBTS

CHAPTER 7 BANKRUPTCY

NUISANCE FEES

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