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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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Jerrold W. Bartman

Bankruptcy

Status: In Good Standing

FREE CONSULTATION

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409 New Karner Road, Albany, NY 12205

Roger M Mallery

Bankruptcy, Real Estate, Trusts, Wills & Probate, Child Custody

Status: In Good Standing Licensed: 68 Years

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545 Main St, Cobleskill, NY 12043

Kevin A. Moss

Criminal, Traffic, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 52 Years

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462 Bond Rd, Altamont, NY 12009

Christiaan Van Niekerk

Foreclosure, Bankruptcy, Landlord-Tenant, Bankruptcy & Debt

Status: In Good Standing

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202 Union Street, Schenectady, NY 12305

Todd Daniel Bennett

Traffic, Criminal, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 32 Years

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123 Court St, Herkimer, NY 13350

Nancy Baum Delain

Patent, Intellectual Property, Business & Trade, Bankruptcy & Debt

Status: In Good Standing Licensed: 20 Years

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107 North College Street, Schenectady, NY 12305

Richard H. Weiskopf

Divorce & Family Law, Bankruptcy & Debt, Personal Injury, Accident & Injury

Status: In Good Standing Licensed: 50 Years

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670 Franklin Street, Schenectady, NY 12305

Joseph L Litz

Criminal, Contract, Business Organization, Bankruptcy

Status: In Good Standing Licensed: 40 Years

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143 Clinton St, Schenectady, NY 12305

Michelle H. Wildgrube

Real Estate, Federal Appellate Practice, Family Law, Bankruptcy

Status: In Good Standing

CONTACT

1473 Erie Blvd, Schenectady, NY 12305

Anthony J Pietrafesa

Bankruptcy & Debt, Consumer Rights, Defect and Lemon Law, Deceptive Trade Practices, Landlord-Tenant

Status: In Good Standing

FREE CONSULTATION

CONTACT

1971 Western Av #181, Albany, NY 12203

800-923-0641

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LEGAL TERMS

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).

NONEXEMPT PROPERTY

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typicall... (more...)

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typically includes valuable clothing (furs) and electronic equipment, an expensive car that's been paid off and most of the equity in your house. Compare exempt property.

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.

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.

CREDITOR

A person or entity (such as a bank) to whom a debt is owed.

PRESUMED ABUSE

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means te... (more...)

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means test, the court will presume that the debtor has sufficient income to fund a Chapter 13 plan. In this situation, the debtor will not be allowed to proceed with a Chapter 7 bankruptcy unless the debtor can prove that he or she is not abusing the Chapter 7 bankruptcy remedy.

TOXIC TORT

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and su... (more...)

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and suffering.

DEFINED CONTRIBUTION PLAN

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount ... (more...)

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount every month, or every year, for each employee. The employer usually pays a fixed percentage of an employee's wages or salary, although sometimes the amount is a fraction of the company's profits, with the size of each employee's pension share depending on the amount of wage or salary. Upon retirement, each employee's pension is determined by how much was contributed to the fund on behalf of that employee over the years, plus whatever earnings that money has accumulated as part of the investments of the entire pension fund.

CHAPTER 13 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.

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Richmondville Bankruptcy & Debt Lawyer, New York

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

Jerrold W. Bartman

Roger M Mallery

Kevin A. Moss

Christiaan Van Niekerk

Todd Daniel Bennett

Nancy Baum Delain

Richard H. Weiskopf

Joseph L Litz

Michelle H. Wildgrube

Anthony J Pietrafesa

TIPS

LEGAL TERMS

CREDIT REPORT

NONEXEMPT PROPERTY

LIABILITY

REAFFIRMATION

CREDITOR

PRESUMED ABUSE

TOXIC TORT

DEFINED CONTRIBUTION PLAN

CHAPTER 13 BANKRUPTCY

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