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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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Francis J. O'Reilly

Bankruptcy & Debt, Credit & Debt

Status: Licensed: 36 Years

FREE CONSULTATION

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1961 Route 6, Carmel, NY 10512

Leo Robert Sheer

Real Estate, Industry Specialties, Business, Bankruptcy & Debt

Status: Licensed: 55 Years

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Scott B. Tulman

Other, Lawsuit & Dispute, Criminal, Collection

Status: Licensed: 41 Years

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Eric Paul Wainer

Bankruptcy & Debt, Foreclosure, Litigation, Banking & Finance

Status: Licensed: 46 Years

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Ilyssa R. Alter

Real Estate, Lawsuit & Dispute, Business, Bankruptcy & Debt

Status: Licensed: 31 Years

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2 Berol Close, Chappaqua, NY 10514

Kyle-Beth Hilfer

Status: Licensed: 37 Years

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55 Algonquin Dr, Chappaqua, NY 10514

Paul David Jaffe

Landlord-Tenant, Family Law, Children's Rights, Collection

Status: Licensed: 61 Years

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Chappaqua, NY 10514

Leslie Anne Simon

Other, Industry Specialties, Venture Capital, Bankruptcy & Debt, Government

Status: Licensed: 46 Years

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787 Route 35, Cross River, NY 10518

William F. Macreery

Litigation, Bankruptcy, Bankruptcy & Debt

Status:

CONTACT

7 Granite Springs Rd, Granite Springs, NY 10527

Alesia Ranney-marinelli

Real Estate, Bankruptcy & Debt

Status: Licensed: 47 Years

CONTACT

99 Mount Holly Road, Katonah, NY 10536

800-814-6700

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800-943-8690

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LEGAL TERMS

FAIR LABOR STANDARDS ACT (FLSA)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements ... (more...)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements for overtime and places restrictions on child labor.

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.

BULK SALES LAW

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to ... (more...)

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to conduct a bulk sale of business assets -- that is, get rid of an unusually large amount of inventory, merchandise or equipment -- the business owner must typically publish a notice of the sale and give written notice to creditors. Then, the owner must set up an account to hold the funds from the sale for a brief period of time during which creditors may make claims against the money. The prohibition against bulk sales is spelled out in the Uniform Commercial Code -- and laws modeled on the UCC have been generally adopted throughout the country.

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.

SECURED DEBT

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collater... (more...)

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collateral, to satisfy the debt if you default. Compare unsecured debt.

BANKRUPTCY

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are ... (more...)

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are two types of bankruptcies -- liquidation, in which your debts are wiped out (discharged) and reorganization, in which you provide the court with a plan for how you intend to repay your debts. For both consumers and business, liquidation bankruptcy is called Chapter 7. For consumers, reorganization bankruptcy is called Chapter 13. Reorganization bankruptcy for consumers with an extraordinary amount of debt and for businesses is called Chapter 11. Reorganization bankruptcy for family farmers is called Chapter 12.

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.

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.

WORKOUT

A debtor's plan to take care of a debt, by paying it off or through loan forgiveness. Workouts are often created to avoid bankruptcy or foreclosure proceedings.

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Waccabuc Bankruptcy & Debt Lawyer, New York, page 2

Sponsored Law Firm

Osorio Cachaya Law Offices, PLLC

SPONSORED LAWYERS

Francis J. O'Reilly

Leo Robert Sheer

Scott B. Tulman

Eric Paul Wainer

Ilyssa R. Alter

Kyle-Beth Hilfer

Paul David Jaffe

Leslie Anne Simon

William F. Macreery

Alesia Ranney-marinelli

TIPS

LEGAL TERMS

FAIR LABOR STANDARDS ACT (FLSA)

INTEREST

BULK SALES LAW

GRACE PERIOD

SECURED DEBT

BANKRUPTCY

DEFINED CONTRIBUTION PLAN

COSIGNER

WORKOUT

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