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Jose Torres
About | Practice Areas
Torres Legal
129 Prospect St Passaic, NJ 07055» view map
Criminal Defense & Divorce and Family Law
Competent Legal Representation

Founded in 2005, Torres Legal is a Law Firm based in Passaic, NJ whose goal is to provide individuals in need with competent legal representation.

800-761-6810
1. Jose Torres Passaic, NJ
  Attorney at Law, NJ
  Florida Coastal School of Law, LL.M. 2003
2. AboutTorres Legal
  Competent Legal Representation
3. Practice AreasExpertise
  Criminal Defense & Divorce and Family Law
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Dorothy L Wright

Bankruptcy & Debt

Status: In Good Standing Licensed: 49 Years

CONTACT

917 North Washington Avenue, Dunellen, NJ 08812

Stephen M Goldberg

Real Estate, Consumer Rights, Bankruptcy & Debt

Status: In Good Standing Licensed: 46 Years

CONTACT

917 North Washington Avenue, Dunellen, NJ 08812

Sandra Barker

Government, Consumer Rights, Banking & Finance, Consumer Bankruptcy

Status: In Good Standing Licensed: 43 Years

CONTACT

230 South Avenue, Fanwood, NJ 07023

Stephen Goldberg

Bankruptcy, Real Estate

Status: In Good Standing

CONTACT

917 N Washington Ave, Green Brook, NJ 08812

Robert Johnson

Consumer Bankruptcy, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

476 Union Ave., Middlesex, NJ 08846

Michael Ackerman

Bankruptcy

Status: In Good Standing

CONTACT

928 Mountain Ave, Mountainside, NJ 07092

David B. Lichtenberg

Real Estate Other, Criminal, Business, Bankruptcy & Debt

Status: In Good Standing

CONTACT

430 Mountain Ave, New Providence, NJ 07974

Scott M. Joseph

Bankruptcy & Debt

Status: In Good Standing

CONTACT

121 Chanlon Road, New Providence, NJ 07974

Eric David Waters

Industry Specialties, Bankruptcy & Debt

Status: In Good Standing Licensed: 19 Years

CONTACT

394 South St, New Providence, NJ 07974

Eugene F. Small

Trucking, Federal Appellate Practice, Bankruptcy & Debt, Car Accident

Status: In Good Standing

CONTACT

41 Mountain Avenue, New Providence, NJ 07974

800-923-0641

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LEGAL TERMS

LIMITED PARTNERSHIP

A business structure that allows one or more partners (called limited partners) to enjoy limited personal liability for partnership debts while another partner ... (more...)

A business structure that allows one or more partners (called limited partners) to enjoy limited personal liability for partnership debts while another partner or partners (called general partners) have unlimited personal liability. The key difference between a general and limited partner concerns management decision making--general partners run the business, and limited partners, who are usually passive investors, are not allowed to make day-to-day business decisions. If they do, they risk being treated as general partners with unlimited personal liability.

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.

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.

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.

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.

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.

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

NO-FAULT INSURANCE

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain ... (more...)

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain amount, regardless of who was at fault. The effect of no-fault insurance laws is to eliminate lawsuits in small accidents. The advantage is the prompt payment of medical bills and expenses. The downsides are that the amounts paid by no-fault policies are often not enough to fully cover a person's losses and that no-fault does not compensate for pain and suffering.

WINDING UP

The process of paying off expenses and creditors, settling accounts, and collecting and distributing (to shareholders and owners) whatever assets then remain, a... (more...)

The process of paying off expenses and creditors, settling accounts, and collecting and distributing (to shareholders and owners) whatever assets then remain, all with the ultimate goal of liquidating or closing down a corporation or partnership.

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Watchung Bankruptcy & Debt Lawyer, New Jersey, page 2

Sponsored Law Firm

Torres Legal

SPONSORED LAWYERS

Dorothy L Wright

Stephen M Goldberg

Sandra Barker

Stephen Goldberg

Robert Johnson

Michael Ackerman

David B. Lichtenberg

Scott M. Joseph

Eric David Waters

Eugene F. Small

TIPS

LEGAL TERMS

LIMITED PARTNERSHIP

CREDIT BUREAU

REAFFIRMATION

TRUTH IN LENDING ACT (TILA)

SETOFF

FAIR LABOR STANDARDS ACT (FLSA)

IRS EXPENSES

NO-FAULT INSURANCE

WINDING UP

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