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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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Annilus J. Gilot

Credit & Debt, Civil Rights, Federal Appellate Practice, Immigration

Status: Licensed: 23 Years

CONTACT

70 Charles Lindbergh Blvd, Garden City, NY 11553

Brian John Davis

Credit & Debt

Status: Licensed: 20 Years

CONTACT

400 Garden City Plaza, Garden City, NY 11530

Craig Benjamin Sanders

Medical Malpractice, Credit & Debt, Business, Federal Appellate Practice, Health Care

Status: Licensed: 12 Years

CONTACT

333 Earle Ovington Blvd, Garden City, NY 11553

Dennis J. Mcgrath

Foreclosure, Credit & Debt, Bankruptcy & Debt

Status: Licensed: 9 Years

CONTACT

567 Broadway, Massapequa, NY 11758

Jacqueline M. Della Chiesa

Bankruptcy & Debt, Foreclosure, Credit & Debt, Litigation

Status:

CONTACT

401 Franklin Avenue, Garden City, NY 11530

Joel R. Weiss

Landlord-Tenant, White Collar Crime, Criminal, Credit & Debt

Status: Licensed: 48 Years

CONTACT

400 Rxr Plaza, Uniondale, NY 11556

Kenneth Harlan Dramer

Real Estate, Motor Vehicle, Business, Credit & Debt

Status: Licensed: 32 Years

CONTACT

626 Rxr Plaza, Uniondale, NY 11556

Kim D. Victor

Litigation, Corporate, Credit & Debt, Bankruptcy

Status: Licensed: 28 Years

CONTACT

90 Merrick Ave, East Meadow, NY 11554

Laura J. Lowenstein

Credit & Debt, Collection

Status: Licensed: 25 Years

CONTACT

2116 Merrick Ave, Merrick, NY 11566

Leonard M. Ross

Corporate, Contract, Business Organization, Credit & Debt, Real Estate

Status: Licensed: 46 Years

CONTACT

265 Sunrise Hwy, Rockville Centre, NY 11570

800-814-6700

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LEGAL TERMS

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

LOSS DAMAGE WAIVER (LDW)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it ofte... (more...)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it often duplicates coverage provided by the renter's regular car insurance and/or the credit card she uses to rent the car. Nevertheless, hard-sell practices by rental car agents often dupe people into buying LDWs they don't really need. LDW is also called 'collision damage waiver.'

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.

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.

PRIORITY DEBT

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13... (more...)

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13 bankruptcy. Priority debts include alimony and child support, fees owed to the trustee and the attorney in the bankruptcy case, and wages owed to employees.

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.

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.

FCBA

See Fair Credit Billing Act.

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.

SAMPLE LEGAL CASES

COLLINS FIN. v. Vigilante

... Such a system is not tolerable in regard to credit card and other consumer credit debt cases where items such as the interest rate, late payment charge, and over-the-limit fees may change several times over the course of the consumer credit agreement. ...

Grasso v. Grasso

... 765 The husband also correctly contends that the Supreme Court improvidently exercised its discretion by, in effect, holding him responsible for 100% of the credit card obligations that constitute the parties' marital debt as well as all the marital debt that was solely in the wife's ...

PRA III LLC v. Gonzalez

... agreement to extend credit to the defendant, the issuance of credit cards at the defendant's address, his use of credit cards, his ... Moreover, the plaintiff submitted no evidence demonstrating the defendant's intention to pay the alleged debt (see General Obligations Law Â§ 17-101 ...

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Merrick Credit & Debt Lawyer, New York

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

Annilus J. Gilot

Brian John Davis

Craig Benjamin Sanders

Dennis J. Mcgrath

Jacqueline M. Della Chiesa

Joel R. Weiss

Kenneth Harlan Dramer

Kim D. Victor

Laura J. Lowenstein

Leonard M. Ross

TIPS

LEGAL TERMS

GRACE PERIOD

LOSS DAMAGE WAIVER (LDW)

TRUTH IN LENDING ACT (TILA)

ACCORD AND SATISFACTION

PRIORITY DEBT

GUARANTEED RESERVATION

SETOFF

FCBA

DEBT COLLECTOR

SAMPLE LEGAL CASES

COLLINS FIN. v. Vigilante

Grasso v. Grasso

PRA III LLC v. Gonzalez

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