Whitesboro Bankruptcy & Debt Lawyer, New York

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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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Joseph Pennisi Giruzzi

International Tax, Estate, Bankruptcy, Personal Injury

Status: Licensed: 34 Years

CONTACT

122 Business Park Dr, Utica, NY 13502

Bartle J. Gorman

Industry Specialties, Civil & Human Rights, Business, Bankruptcy & Debt

Status: Licensed: 59 Years

CONTACT

150 Genesee St, New Hartford, NY 13413

Richard Edward Kaplan

Other, Lawsuit & Dispute, Divorce & Family Law, Bankruptcy & Debt

Status: Licensed: 47 Years

CONTACT

2626 Sunset Ave, Utica, NY 13502

Ann W. Manion

Real Estate, Estate, Bankruptcy, Bankruptcy & Debt

Status: Licensed: 38 Years

CONTACT

2106 Genesee St, Utica, NY 13502

Peter Michael Hobaica

Estate, Criminal, Bankruptcy, Accident & Injury, Personal Injury

Status: Licensed: 41 Years

CONTACT

2045 Genesee St, Utica, NY 13501

Justin Michael Nackley

Wills & Probate, Wrongful Termination, Workers' Compensation, Collection

Status:

CONTACT

23 Oxford Rd, New Hartford, NY 13413

Michael Brian Oshins

Bankruptcy & Debt, Estate, Real Estate

Status: Licensed: 34 Years

CONTACT

23 Oxford Rd, New Hartford, NY 13413

Michael N. Kalil

Family Law, Business Organization, Banking & Finance, Collection, Child Custody

Status: Licensed: 39 Years

CONTACT

1602 Sunset Ave, Utica, NY 13502

Grant E. Johnson

Immigration, Estate Planning, Divorce, Bankruptcy

Status: Licensed: 67 Years

CONTACT

405 Court St, Utica, NY 13502

Merima Smajic

Bankruptcy

Status: Licensed: 11 Years

CONTACT

1 Kennedy Plaza, Utica, NY 13502

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).

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.

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.

UNDUE HARDSHIP

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in t... (more...)

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in the future to pay off the loan may be able to show that repayment would be an undue hardship.

PREFERENCE

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commer... (more...)

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commercial creditors) and within one year for insider creditors (friends, family members, and business associates). Because a preference gives the creditor who received the payment an edge over other creditors in the bankruptcy case, the trustee can recover the preference (the amount of the payment) and distribute it among all of the creditors.

CHAPTER 13 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.

C CORPORATION

Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S c... (more...)

Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S corporation, whose profits are passed through to shareholders and taxed on their personal returns under subchapter S of the Internal Revenue Code.

FDCPA

See Fair Debt Collections & Practices Act.

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.

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Whitesboro Bankruptcy & Debt Lawyer, New York

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

Joseph Pennisi Giruzzi

Bartle J. Gorman

Richard Edward Kaplan

Ann W. Manion

Peter Michael Hobaica

Justin Michael Nackley

Michael Brian Oshins

Michael N. Kalil

Grant E. Johnson

Merima Smajic

TIPS

LEGAL TERMS

LIEN

SECRET WARRANTY PROGRAM

DEFINED CONTRIBUTION PLAN

UNDUE HARDSHIP

PREFERENCE

CHAPTER 13 BANKRUPTCY

C CORPORATION

FDCPA

TRUTH IN LENDING ACT (TILA)

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