Essex County, NJ Bankruptcy & Debt Lawyers

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John W. King Lawyer

John W. King

VERIFIED
Accident & Injury, Bankruptcy & Debt, Criminal, DUI-DWI, Health Care

Full service law firm that specializes in Personal Injury, Auto Accidents, Slip and Fall/Premises liability, Dog Bites, Truck and Motorcycle Accidents... (more)

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973-862-1949

Andrew H. Graulich Lawyer

Andrew H. Graulich

VERIFIED
Accident & Injury, Workers' Compensation, Car Accident, Personal Injury, Credit & Debt

The hallmark of Mr. Graulich’s practice is client service. He provides personalized legal representation to clients based on their backgrounds, need... (more)

Enrico  Luciano Lawyer

Enrico Luciano

VERIFIED
Estate, Divorce & Family Law, Power of Attorney, Bankruptcy, Real Estate

Enrico Luciano is a practicing lawyer in the state of New Jersey.

James Joseph Fitzpatrick

Banking & Finance, Corporate, Credit & Debt, Estate Planning
Status:  In Good Standing           

Mark A Baumgarten

Corporate, Personal Injury, Reorganization
Status:  In Good Standing           

Albert L Lancellotti

Bankruptcy
Status:  In Good Standing           

FREE CONSULTATION 

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Andrew B. Sobel

Landlord-Tenant, Estate Planning, Family Law, Credit & Debt
Status:  In Good Standing           

Filipe Pedroso

Criminal, Divorce & Family Law, Immigration, Bankruptcy & Debt
Status:  In Good Standing           Licensed:  28 Years

FREE CONSULTATION 

CONTACT

Evelyn Onyeani

Foreclosure, Immigration, Divorce & Family Law, Bankruptcy & Debt
Status:  In Good Standing           

FREE CONSULTATION 

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Adam Seidner

Divorce & Family Law, Bankruptcy & Debt, Misdemeanor, Real Estate
Status:  In Good Standing           Licensed:  11 Years

FREE CONSULTATION 

CONTACT

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LEGAL TERMS

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.

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.

FCRA

See Fair Credit Reporting Act.

GUARANTEED RESERVATION

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehic... (more...)
A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehicle for you no matter when you show up. If you have a guaranteed reservation with a hotel, it must provide you with a room, either at that hotel or at another comparable establishment. If you have a guaranteed reservation with a car agency, it must provide you with a vehicle. The downside of a guaranteed reservation is that if you don't show up and haven't cancelled your reservation, you will be billed for one night in the room or one day's use of the vehicle.

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.

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)
A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

TOXIC TORT

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and su... (more...)
A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and suffering.

LIQUIDATING PARTNER

The member of an insolvent or dissolving partnership responsible for paying the debts and settling the accounts of the partnership.

FCBA

See Fair Credit Billing Act.