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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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Franz Cobos

Immigration, Criminal, Business, Bankruptcy

Status: In Good Standing Licensed: 20 Years

CONTACT

17 Academy Street, Newark, NJ 07102

Mary Lynn A. Seery

Deportation, Family Law, Victims' Rights, Consumer Bankruptcy

Status: In Good Standing

CONTACT

60 Park Place, Newark, NJ 07102

Steven L. Vazquez

Estate Planning, Family Law, Corporate, Credit & Debt

Status: In Good Standing Licensed: 19 Years

CONTACT

1 Gateway Ctr, Newark, NJ 07102

Flavio Van Boekel

Immigration, Family Law, Criminal, Collection

Status: In Good Standing

CONTACT

109 Monroe St., Newark, NJ 07105

Michelle Ann Labayen

Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 20 Years

CONTACT

One Gateway Center, Newark, NJ 07102

Andrew M Wolfenson

Civil Rights, Estate Planning, Bankruptcy, Divorce, Criminal

Status: In Good Standing Licensed: 33 Years

CONTACT

2414 Morris Ave, Union, NJ 07083

Todd Martin Poland

Bankruptcy, Corporate, Securities

Status: In Good Standing Licensed: 50 Years

CONTACT

100 Mulberry St, Newark, NJ 07102

Michael J. Reynolds

Industry Specialties, Employment, Bankruptcy

Status: In Good Standing Licensed: 23 Years

CONTACT

100 Mulberry St, Newark, NJ 07102

Scott Howard Bernstein

Other, Business, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 22 Years

CONTACT

100 Mulberry St, Newark, NJ 07102

Daniel Eliades

Bankruptcy

Status: In Good Standing

CONTACT

1037 Raymond Boulevard, Newark, NJ 07102

800-923-0641

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LEGAL TERMS

ADMINISTRATIVE EXPENSES

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Admi... (more...)

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Administrative costs are typically 10% of the debtor's total payments under the plan.

DISCHARGEABLE DEBTS

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bill... (more...)

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bills and medical bills. Compare nondischargeable debts.

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.

SECURED DEBT

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collater... (more...)

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collateral, to satisfy the debt if you default. Compare unsecured debt.

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.

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.

REAFFIRMATION

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing deb... (more...)

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing debt after the bankruptcy case is over. For instance, a debtor might make a reaffirmation agreement with the holder of a car note that the debtor can keep the car and must continue to pay the debt after bankruptcy.

CCCS

See Consumer Credit Counseling Service.

WINDING UP

The process of paying off expenses and creditors, settling accounts, and collecting and distributing (to shareholders and owners) whatever assets then remain, a... (more...)

The process of paying off expenses and creditors, settling accounts, and collecting and distributing (to shareholders and owners) whatever assets then remain, all with the ultimate goal of liquidating or closing down a corporation or partnership.

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Elizabeth Bankruptcy & Debt Lawyer, New Jersey, page 3

Sponsored Law Firm

Torres Legal

SPONSORED LAWYERS

Franz Cobos

Mary Lynn A. Seery

Steven L. Vazquez

Flavio Van Boekel

Michelle Ann Labayen

Andrew M Wolfenson

Todd Martin Poland

Michael J. Reynolds

Scott Howard Bernstein

Daniel Eliades

TIPS

LEGAL TERMS

ADMINISTRATIVE EXPENSES

DISCHARGEABLE DEBTS

GUARANTEED RESERVATION

SECURED DEBT

UNSECURED DEBT

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

REAFFIRMATION

CCCS

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