Fulton County, NY Bankruptcy & Debt Lawyers

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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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Jeremiah Wood

Farms, Estate Administration, Divorce, Child Support

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8 Fremont Street, Gloversville, NY 12078

William Cibulas

General Practice

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FREE CONSULTATION

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8 Fremont Street, Gloversville, NY 12078

John D Wood

General Practice

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6-8 Fremont St, Gloversville, NY 12078

R B Haviland

General Practice

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6-8 Fremont St, Gloversville, NY 12078

Edward S Wood

General Practice

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6-8 Fremont St, Gloversville, NY 12078

Kelly Dawn Hoyt

Divorce & Family Law, Residential Real Estate, Wills & Probate, Power of Attorney, Motor Vehicle

Status: Licensed: 28 Years

FREE CONSULTATION

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215 County Highway 155, Broadalbin, NY 12025

Gerard Vincent Heckler

Divorce & Family Law, Family Law, Criminal, Child Custody, Divorce

Status: Licensed: 54 Years

FREE CONSULTATION

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8 South William Street, Johnstown, NY 12095

Robert E. Abdella

Criminal, Civil Rights, Accident & Injury

Status: Licensed: 24 Years

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Gloversville, NY 12078

Paul Kolodziej

Landlord-Tenant, Construction, Motor Vehicle, Lawsuit & Dispute, Immigration

Status: Licensed: 43 Years

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350 N Main St, Gloversville, NY 12078

Ellen Siobhan Ross

Family Law, Child Custody, Adoption, Divorce & Family Law

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105 N Perry St, Johnstown, NY 12095

800-814-6700

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LEGAL TERMS

DOING BUSINESS AS (DBA)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or ... (more...)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or similar document with the appropriate agency -- for example, the county clerk. This enables consumers to discover the names of the business owners, which is important if a consumer needs to sue the business.

FORBEARANCE

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily ... (more...)

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily postponing or reducing the borrower's payments.

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.

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.

FRATERNAL BENEFIT SOCIETY BENEFITS

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal socie... (more...)

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal societies that provide benefits. Also called benefit society, benevolent society or mutual aid association benefits. Under bankruptcy laws, these benefits are virtually always considered exempt property.

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.

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

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Fulton County, NY Bankruptcy & Debt Lawyers

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

Jeremiah Wood

William Cibulas

John D Wood

R B Haviland

Edward S Wood

Kelly Dawn Hoyt

Gerard Vincent Heckler

Robert E. Abdella

Paul Kolodziej

Ellen Siobhan Ross

TIPS

LEGAL TERMS

DOING BUSINESS AS (DBA)

FORBEARANCE

NUISANCE FEES

TRUTH IN LENDING ACT (TILA)

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

FRATERNAL BENEFIT SOCIETY BENEFITS

SECURED DEBT

FAIR CREDIT BILLING ACT (FCBA)

INTEREST

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PRACTICE AREAS 70