South Bethlehem Bankruptcy & Debt Lawyer, New York, page 3

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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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Heather Nicole Brondi

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

Status: Licensed: 14 Years

CONTACT

126 State St, Albany, NY 12207

Paul J. Hyams

Lawsuit & Dispute, Bankruptcy, Bankruptcy & Debt

Status: Licensed: 41 Years

CONTACT

90 State St, Albany, NY 12207

Thomas McMorrow

Social Security -- Disability, Consumer Bankruptcy, Criminal, Federal Appellate Practice, Divorce & Family Law

Status: Licensed: 47 Years

FREE CONSULTATION

CONTACT

90 State St, Albany, NY 12207

Nicholas Francis Antenucci

Government, Bankruptcy & Debt

Status:

CONTACT

150 State St, Albany, NY 12207

Thomas D. Latin

Business, Bankruptcy & Debt

Status: Licensed: 50 Years

CONTACT

54 State St, Albany, NY 12207

John David Mccarthy

Employment Discrimination, Public Offerings, Bankruptcy & Debt

Status: Licensed: 17 Years

CONTACT

146 State St, Albany, NY 12207

Daniel Robert Lecours

Lawsuit & Dispute, Bankruptcy & Debt

Status: Licensed: 13 Years

CONTACT

677 Broadway, Albany, NY 12207

Glen Kimball Williams

Military & Veterans Appeals, Litigation, Commercial Bankruptcy

Status: Licensed: 49 Years

CONTACT

677 Broadway, Albany, NY 12207

Guy J. Criscione

Immigration, DUI-DWI, Bankruptcy & Debt

Status: Licensed: 44 Years

CONTACT

817 Madison Ave, Albany, NY 12208

E Raymond Kolarsey

Health Care Other, Life & Health, Insurance, Reorganization

Status:

CONTACT

121 State St, Albany, NY 12207

800-814-6700

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LEGAL TERMS

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

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.

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.

FDCPA

See Fair Debt Collections & Practices Act.

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.

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.

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.

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily fu... (more...)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily funded by voluntary donations from the creditors that receive payments from debtors repaying their debts through that office. Despite this criticism, most CCCS counselors provide clients with thorough and neutral advice.

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South Bethlehem Bankruptcy & Debt Lawyer, New York, page 3

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

Heather Nicole Brondi

Paul J. Hyams

Thomas McMorrow

Nicholas Francis Antenucci

Thomas D. Latin

John David Mccarthy

Daniel Robert Lecours

Glen Kimball Williams

Guy J. Criscione

E Raymond Kolarsey

TIPS

LEGAL TERMS

CURRENT MONTHLY INCOME

CREDIT BUREAU

LIABILITY

FDCPA

ACCORD AND SATISFACTION

FAIR CREDIT REPORTING ACT (FCRA)

401(K) PLAN

GARNISHMENT

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

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