Mamaroneck Bankruptcy & Debt Lawyer, New York

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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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Paul James Miklus

International, Divorce & Family Law, Bankruptcy & Debt

Status: Licensed: 55 Years

CONTACT

680 W Boston Post Rd, Mamaroneck, NY 10543

Debora P. Zelenetz

Bankruptcy

Status: Licensed: 42 Years

CONTACT

31 Mohegan Rd, Larchmont, NY 10538

Donald S. Mazin

International, Divorce & Family Law, Bankruptcy & Debt

Status: Licensed: 65 Years

CONTACT

1415 Boston Post Rd, Larchmont, NY 10538

Joseph Louis Genzano

Business, Bankruptcy & Debt

Status: Licensed: 36 Years

CONTACT

440 Mamaroneck Ave, Harrison, NY 10528

Nathan Criticos Pagett

Real Estate, Bankruptcy & Debt

Status: Licensed: 17 Years

CONTACT

2 Vanderburgh Avenue, Larchmont, NY 10538

David Michael Berkley

Landlord-Tenant, Divorce, Business, Bankruptcy & Debt

Status: Licensed: 41 Years

CONTACT

40 Forest Pk Ave, Larchmont, NY 10538

H. Bruce Bronson

Traffic, Immigration, Bankruptcy

Status:

CONTACT

480 Mamaroneck Ave, Harrison, NY 10528

Taruna Garg

Bankruptcy, Bankruptcy, Corporate, Commercial Bankruptcy

Status:

CONTACT

337 Park Avenue, Rye, NY 10580

Linda A. Eichen

International, Divorce & Family Law, Bankruptcy & Debt

Status: Licensed: 43 Years

CONTACT

500 Mamaroneck Ave, Harrison, NY 10528

Candi J. Fulop

Real Estate, Lawsuit & Dispute, Divorce & Family Law, Bankruptcy & Debt

Status: Licensed: 45 Years

CONTACT

500 Mamaroneck Ave, Harrison, NY 10528

800-814-6700

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LEGAL TERMS

CREDIT BUREAU

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit... (more...)

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit card companies that use the information to screen applicants for loans and credit cards. There are three major credit bureaus, Equifax, Experian and Trans Union, and they are regulated by the federal Fair Credit Reporting 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.

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.

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

FCRA

See Fair Credit Reporting Act.

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

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.

FRAUDULENT TRANSFER

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee --... (more...)

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee -- for instance, when a debtor signs a car over to a relative to keep it out of the bankruptcy estate. Fraudulently transferred property can be recovered and sold by the trustee for the benefit of the creditors.

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.

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Mamaroneck Bankruptcy & Debt Lawyer, New York

Sponsored Law Firm

Osorio Cachaya Law Offices, PLLC

SPONSORED LAWYERS

Paul James Miklus

Debora P. Zelenetz

Donald S. Mazin

Joseph Louis Genzano

Nathan Criticos Pagett

David Michael Berkley

H. Bruce Bronson

Taruna Garg

Linda A. Eichen

Candi J. Fulop

TIPS

LEGAL TERMS

CREDIT BUREAU

COLLECTION AGENCY

INTEREST

CREDIT REPORT

FCRA

SETOFF

NONDISCHARGEABLE DEBTS

FRAUDULENT TRANSFER

SECRET WARRANTY PROGRAM

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