West Harrison Bankruptcy & Debt Lawyer, New York

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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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Jesus Antonio Cachaya

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Accident & Injury, Criminal, Divorce & Family Law, Immigration, Bankruptcy & Debt

We have offices located in Westchester, White Plains and New York City and we represent clients throughout all of New York State in various legal matt... (more)

FREE CONSULTATION

CONTACT

800-318-9750

203 E Post Rd, White Plains, NY 10601

Michael H. Schwartz

Foreclosure, Reorganization, Credit & Debt, Consumer Bankruptcy

Status: Licensed: 42 Years

FREE CONSULTATION

CONTACT

One Water Street, White Plains, NY 10601

James Rufo

Bankruptcy & Debt, Foreclosure, Real Estate Other, Consumer Bankruptcy

Status:

FREE CONSULTATION

CONTACT

1133 Westchester Ave., White Plains, NY 10604

Douglas Martino

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

Status: Licensed: 40 Years

CONTACT

800 Westchester Ave, Rye Brook, NY 10573

Peter Ackerman

Government, Insurance, Collection, Intellectual Property, Commercial Real Estate

Status: Licensed: 47 Years

CONTACT

222 Mamaroneck Ave, White Plains, NY 10605

John Lawrence Marchione

Bankruptcy, Household Mold, Public Interest Law, Child Custody

Status:

CONTACT

445 Hamilton Avenue, White Plains, NY 10601

Gerard P. Brady

Construction, Real Estate, Banking & Finance, Credit & Debt, Landlord-Tenant

Status: Licensed: 39 Years

CONTACT

11 Martine Avenue, White Plains, NY 10606

Kenneth Busman

Construction, Family Law, Divorce, Bankruptcy, Accident & Injury

Status: Licensed: 46 Years

CONTACT

175 Main St, White Plains, NY 10601

Robert L. Rattet

Government, Child Custody, Bankruptcy

Status:

CONTACT

One North Lexington Avenue, White Plains, NY 10601

Erica R. Feynman

Bankruptcy

Status:

CONTACT

One North Lexington Avenue, White Plains, NY 10601

800-814-6700

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LEGAL TERMS

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

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.

CREDIT INSURANCE

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay o... (more...)

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay off the remaining balance. Federal and state consumer protection laws require the lender to disclose to existing and potential borrowers the terms and costs of obtaining credit insurance because it can affect the terms of the loan.

CYBERSQUATTING

Buying a domain name that reflects the name of a business or famous person with the intent of selling the name back to the business or celebrity for a profit. T... (more...)

Buying a domain name that reflects the name of a business or famous person with the intent of selling the name back to the business or celebrity for a profit. The Anticybersquatting Consumer Protection Act of 1999 authorizes a cybersquatting victim to file a federal lawsuit to regain a domain name or sue for financial compensation. Under the act, registering, selling or using a domain name with the intent to profit from someone else's good name is considered cybersquatting. Victims of cybersquatting can also use the provisions of the Uniform Domain Name Dispute Resolution Policy adopted by ICANN, an international tribunal administering domain names. This international policy results in arbitration of the dispute, not litigation.

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.

DISCHARGEABLE DEBTS

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bill... (more...)

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bills and medical bills. Compare nondischargeable debts.

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

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.

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.

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West Harrison Bankruptcy & Debt Lawyer, New York

Sponsored Law Firm

Osorio Cachaya Law Offices, PLLC

SPONSORED LAWYERS

Jesus Antonio Cachaya

Michael H. Schwartz

James Rufo

Douglas Martino

Peter Ackerman

John Lawrence Marchione

Gerard P. Brady

Kenneth Busman

Robert L. Rattet

Erica R. Feynman

TIPS

LEGAL TERMS

LIEN

FAIR LABOR STANDARDS ACT (FLSA)

CREDIT INSURANCE

CYBERSQUATTING

PRESUMED ABUSE

DISCHARGEABLE DEBTS

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

WORKOUT

REAFFIRMATION

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