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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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Jesus Antonio Cachaya

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

We have offices located in Westchester, White Plains and New York City and we represent clients throughout all of New York State in various legal matt... (more)

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CONTACT

800-318-9750

203 E Post Rd, White Plains, NY 10601

Michael H. Schwartz

Foreclosure, Reorganization, Credit & Debt, Consumer Bankruptcy

Status: In Good Standing Licensed: 42 Years

FREE CONSULTATION

CONTACT

One Water Street, White Plains, NY 10601

James Rufo

Bankruptcy & Debt, Foreclosure, Real Estate Other, Consumer Bankruptcy

Status: In Good Standing

FREE CONSULTATION

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1133 Westchester Ave., White Plains, NY 10604

Daniel F. Florio

Corporate, Collection, Commercial Leasing, Construction Contracts

Status: In Good Standing Licensed: 28 Years

CONTACT

30 Glenn Street, White Plains, NY 10603

Kenneth Michael Lewis

Litigation, Corporate, Reorganization, Commercial Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

220 White Plains Rd, Tarrytown, NY 10591

Peter Ackerman

Government, Insurance, Collection

Status: In Good Standing Licensed: 47 Years

CONTACT

222 Mamaroneck Ave, White Plains, NY 10605

Robert L. Rattet

Government, Child Custody, Bankruptcy

Status: In Good Standing

CONTACT

One North Lexington Avenue, White Plains, NY 10601

Julie A. Cvek

Bankruptcy

Status: In Good Standing

CONTACT

One North Lexington Avenue, White Plains, NY 10601

Erica R. Feynman

Bankruptcy

Status: In Good Standing

CONTACT

One North Lexington Avenue, White Plains, NY 10601

John Lawrence Marchione

Bankruptcy, Household Mold, Public Interest Law, Child Custody

Status: In Good Standing

CONTACT

445 Hamilton Avenue, White Plains, NY 10601

800-923-0641

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LEGAL TERMS

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.

FCBA

See Fair Credit Billing Act.

FDCPA

See Fair Debt Collections & Practices Act.

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

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.

SECRET WARRANTY PROGRAM

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid... (more...)

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid a recall and the accompanying bad press. Secret warranties are rarely advertised by the manufacturer, so consumers must pursue the manufacturer to discover and take advantage of them. A few states require manufacturers to notify car buyers when they adopt secret warranty programs.

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.

ACCORD AND SATISFACTION

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collectin... (more...)

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collecting as much money as they can from debtors who cannot pay the full amount.

LIABILITY

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pi... (more...)

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pipe bursts the day after Paul installs it, ruining the bathroom floor. This raises the issue of liability: Who is responsible for the damage? Peri claims that Paul is responsible, and sues him for the cost of hiring another plumber to fix the pipe and replacing the floor. Paul, in turn, claims that the pipe manufacturer is responsible, because they supplied him with faulty materials. Both Peri and Paul must prove their claims in court; if Paul and/or the manufacturer is found liable, one or both will have to pay damages to Peri. (2) Something for which a person is liable. For example, a debt is often called a liability.

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Hawthorne Bankruptcy & Debt Lawyer, New York

Sponsored Law Firm

Osorio Cachaya Law Offices, PLLC

SPONSORED LAWYERS

Jesus Antonio Cachaya

Michael H. Schwartz

James Rufo

Daniel F. Florio

Kenneth Michael Lewis

Peter Ackerman

Robert L. Rattet

Julie A. Cvek

Erica R. Feynman

John Lawrence Marchione

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LEGAL TERMS

FAIR CREDIT BILLING ACT (FCBA)

FCBA

FDCPA

COLLECTION AGENCY

DEBT COLLECTOR

SECRET WARRANTY PROGRAM

NONDISCHARGEABLE DEBTS

ACCORD AND SATISFACTION

LIABILITY

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