Schenectady County, NY Reorganization 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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Stephen Louis Rockmacher

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Immigration, Real Estate, Criminal, Divorce & Family Law, Traffic

Stephen Rockmacher has over 25 years experience concentrating but not limited to Immigration, Real Estate, Criminal and Family law cases. He is focuse... (more)

FREE CONSULTATION

CONTACT

800-923-5440

2025 Broadway, Schenectady, NY 12306

Eric A Tepper

Traffic, Wills, Family Law, Corporate

Status: In Good Standing

CONTACT

113 Saratoga Road, Route 50, Schenectady, NY 12302

Timothy F Wilkens

Real Estate, Estate Planning, Environmental Law, Family Law

Status: In Good Standing

FREE CONSULTATION

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215 State Street, Schenectady, NY 12301

James W. Bendall

DUI-DWI, Personal Injury, Medical Malpractice, Accident & Injury

Status: In Good Standing

FREE CONSULTATION

CONTACT

836 Plymouth Avenue, Schenectady, NY 12308

James W. Bendall

Accident & Injury, Medical Malpractice

Status: In Good Standing Licensed: 54 Years

FREE CONSULTATION

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836 Plymouth Avenue, Schenectady, NY 12308

Paul M. Callahan

Criminal, Traffic, Estate, Power of Attorney, Real Estate

Status: In Good Standing Licensed: 49 Years

CONTACT

4886 Western Turnpike, Duanesburg, NY 12056

Kevin S. Mednick

Insurance, Products Liability, Personal Injury, Medical Malpractice

Status: In Good Standing Licensed: 46 Years

CONTACT

836 Plymouth Ave, Schenectady, NY 12308

Kenneth P Litz

Social Security -- Disability, Family Law, Business Organization, Products Liability

Status: In Good Standing Licensed: 45 Years

CONTACT

143 Clinton St, Schenectady, NY 12305

Charles J Assini

Education, Other, Government, Employment

Status: In Good Standing

CONTACT

1430 Balltown Rd, Schenectady, NY 12309

Eric Alan Tepper

Visa, Family Law, Divorce, DUI-DWI, Medical Malpractice

Status: In Good Standing

CONTACT

113 Saratoga Rd, Schenectady, NY 12302

800-923-0641

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LEGAL TERMS

SOLE PROPRIETORSHIP

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, m... (more...)

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, meaning that business profits are reported and taxed on the owner's personal tax return. Setting up a sole proprietorship is cheap and easy since no legal formation documents need be filed with any governmental agency (although tax registration and other permit and license requirements may still apply). Once you file a fictitious name statement (assuming you don't use your own name) and obtain any required basic tax permits and business licenses, you'll be in business. The main downside of a sole proprietorship is that its owner is personally liable for all business debts.

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

FAIR CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

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.

ABUSE

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because ... (more...)

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because the debtor appears to have enough disposable income to fund a Chapter 13 repayment plan.

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.'

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.

BANKRUPTCY TRUSTEE

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is t... (more...)

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is to gather the debtor's nonexempt property, liquidate it and distribute it proportionally to her creditors. In a Chapter 13 case, the trustee's role is to receive the debtor's monthly payments and distribute them proportionally to her creditors.

401(K) PLAN

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income ... (more...)

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income taxes on the amount invested and any earnings are due until the employee withdraws money from the fund.

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Schenectady County, NY Reorganization Lawyers

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

Stephen Louis Rockmacher

Eric A Tepper

Timothy F Wilkens

James W. Bendall

James W. Bendall

Paul M. Callahan

Kevin S. Mednick

Kenneth P Litz

Charles J Assini

Eric Alan Tepper

TIPS

LEGAL TERMS

SOLE PROPRIETORSHIP

COSIGNER

FAIR CREDIT REPORTING ACT (FCRA)

SECRET WARRANTY PROGRAM

ABUSE

LOSS DAMAGE WAIVER (LDW)

CREDIT BUREAU

BANKRUPTCY TRUSTEE

401(K) PLAN

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