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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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Includes: Bankruptcy Litigation, Commercial Bankruptcy, Consumer Bankruptcy, Dissolution

Aniello D. Cerreto, Esq.

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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

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

Yan Rudikh

Foreclosure, Insurance, Bankruptcy, Personal Injury

Status: In Good Standing

CONTACT

14 Woodward Dr, Old Bridge, NJ 08857

Sean Malin

International Tax, Wills & Probate, Estate Planning, Bankruptcy

Status: In Good Standing

CONTACT

73 Church Street, New Brunswick, NJ 08901

Jonathan David Singer

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

Status: In Good Standing

FREE CONSULTATION

CONTACT

35 Court Street, Freehold, NJ 07728

Paul Shur

Banking & Finance, Bankruptcy, Corporate

Status: In Good Standing Licensed: 47 Years

CONTACT

120 Albany Street Plaza, New Brunswick, NJ 08901

Allen B. Gillman

Credit & Debt, Collection, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 44 Years

CONTACT

770 Amboy Ave, Edison, NJ 08837

Steven Abelson

Divorce, Divorce & Family Law, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

80 West Main St, Freehold, NJ 07728

Michael Richmond

Trusts, Real Estate, Criminal, Bankruptcy

Status: In Good Standing

CONTACT

Monmouth Junction, NJ 08852

800-923-0641

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LEGAL TERMS

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.

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

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.

FAIR CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

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.

COLLATERAL

Property that guarantees payment of a secured debt.

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.

NONDISCHARGEABLE DEBTS

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chap... (more...)

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chapter 13 bankruptcy, the nondischargeable debts will have to be paid in full during your plan or you will have a balance at the end of your case. Examples of nondischargeable debts include alimony and child support, most income tax debts, many student loans and debts for personal injury or death caused by drunk driving. Compare dischargeable debts.

SECURED DEBT

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collater... (more...)

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collateral, to satisfy the debt if you default. Compare unsecured debt.

SAMPLE LEGAL CASES

Spring Creek Holding Company, Inc. v. Shinnihon USA Co., Ltd.

... PNY failed to make some of the tax payments. In 1994, PNY filed for bankruptcy. In 1998, through the bankruptcy proceedings, Seasons Investment Corporation (SIC) purchased for $9.1 million the hotel and PNY's right to reacquire from Shinnihon the Remainder Property. ...

EMC Mortg. Corp. v. Chaudhri

... Unicor then sought protection under the Bankruptcy Code. Plaintiff EMC Mortgage Corporation (EMC) purchased the Chaudhris' mortgage at a bankruptcy sale. EMC received an assignment of the mortgage and proceeded on Unicor's behalf to prosecute the foreclosure action. ...

US EX REL. USDA v. Scurry

... On April 1, 2004, after the final judgment of foreclosure was entered but before title, possession and ejectment were sought, defendant sought protection from her creditors pursuant to Chapter XIII of the United States Bankruptcy Code, [1] 11 USC Â§Â§ 1301-1330, a step that ...

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Helmetta Bankruptcy Lawyer, New Jersey

Sponsored Law Firm

Torres Legal

SPONSORED LAWYERS

Aniello D. Cerreto, Esq.

Bonita C. Leadem

Theodore Sliwinski

Yan Rudikh

Sean Malin

Jonathan David Singer

Paul Shur

Allen B. Gillman

Steven Abelson

Michael Richmond

TIPS

LEGAL TERMS

NO-FAULT INSURANCE

MEANS TEST

PREFERENCE

FAIR CREDIT REPORTING ACT (FCRA)

WORKOUT

COLLATERAL

DISCHARGEABLE DEBTS

NONDISCHARGEABLE DEBTS

SECURED DEBT

SAMPLE LEGAL CASES

Spring Creek Holding Company, Inc. v. Shinnihon USA Co., Ltd.

EMC Mortg. Corp. v. Chaudhri

US EX REL. USDA v. Scurry

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