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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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Evan N. Pickus

✓ VERIFIED

Real Estate, Estate, Bankruptcy & Debt

Upon graduation from the Benjamin N. Cardozo School of Law at Yeshiva University in New York, classmates Evan N. Pickus and Howard S. Landsberg sought... (more)

FREE CONSULTATION

CONTACT

800-871-7810

802 Ryders Lane, East Brunswick, NJ 08816

Aniello D. Cerreto, Esq.

✓ VERIFIED

Divorce & Family Law, Bankruptcy, Criminal, Estate

A lawyer who listens to you

I utilize the depth of my many years of relevant experience to assist people to transition into their new life and thrive during an otherwise trying t... (more)

FREE CONSULTATION

CONTACT

800-809-4531

215 Gordon's Corner Road, Manalapan, NJ 07726

Joseph I. Windman

✓ VERIFIED

Bankruptcy & Debt, Real Estate

Joseph Windman is a practicing lawyer in the state of New Jersey. Attorney Windman received his J.D. from Brooklyn Law School.

FREE CONSULTATION

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732-780-4222

4400 Route 9 South, Freehold, NJ 07728

Bonita C. Leadem

Bankruptcy, Construction, Environmental Law, Insurance

Status: In Good Standing

CONTACT

4105 US Rte. 1, Monmouth Junction, NJ 08852

Theodore Sliwinski

Dispute Resolution, Corporate, Administrative Law, Bankruptcy

Status: In Good Standing Licensed: 33 Years

CONTACT

45 River Rd, East Brunswick, NJ 08816

Jeffrey Brown

Adoption, Property & Casualty, Bankruptcy & Debt, Residential Real Estate, Child Support

CONTACT

4 Cornwall Drive, East Brunswick, NJ 08816

Alan Cosner

Estate, Elder Law, Divorce & Family Law, Bankruptcy & Debt, Tax

Status: In Good Standing

FREE CONSULTATION

CONTACT

197 Highway 18, East Brunswick, NJ 08816

John Charles Allen

Criminal, Bankruptcy & Debt, Family Law, Immigration, Lawsuit & Dispute

Status: In Good Standing Licensed: 30 Years

CONTACT

292 Livingston Avenue, New Brunswick, NJ 08901

Yan Rudikh

Foreclosure, Insurance, Bankruptcy, Personal Injury

Status: In Good Standing

CONTACT

14 Woodward Dr, Old Bridge, NJ 08857

Robert Colby

Landlord-Tenant, Employment, Business, Collection

Status: In Good Standing

CONTACT

73 Church Street, New Brunswick, NJ 08901

800-923-0641

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LEGAL TERMS

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.

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.

NUISANCE FEES

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fe... (more...)

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fees, inactivity fees and fees for not carrying a balance from month to month. It's best to shop around and get rid of cards that have these fees attached.

CHAPTER 13 PLAN

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to ... (more...)

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to pay all mandatory debts -- for example, back child support, taxes, and mortgage arrearages -- as well as some or all unsecured, nonpriority debts, such as medical and credit card bills.

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.

ABUSE

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because ... (more...)

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because the debtor appears to have enough disposable income to fund a Chapter 13 repayment plan.

COLLATERAL

Property that guarantees payment of a secured debt.

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).

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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Helmetta Bankruptcy & Debt Lawyer, New Jersey

Sponsored Law Firm

Torres Legal

SPONSORED LAWYERS

Evan N. Pickus

Aniello D. Cerreto, Esq.

Joseph I. Windman

Bonita C. Leadem

Theodore Sliwinski

Jeffrey Brown

Alan Cosner

John Charles Allen

Yan Rudikh

Robert Colby

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LEGAL TERMS

SECRET WARRANTY PROGRAM

GRACE PERIOD

NUISANCE FEES

CHAPTER 13 PLAN

CREDIT BUREAU

ABUSE

COLLATERAL

LIEN

REAFFIRMATION

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