Lawrence Township Credit & Debt Lawyer, New Jersey

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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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Gloria R Buckley

Foreclosure, Real Estate, Credit & Debt, Bankruptcy Litigation

Status: In Good Standing Licensed: 37 Years

CONTACT

3150 Brunswick Pike, Lawrence Township, NJ 08648

Seth J. Lapidow

Credit & Debt

Status: In Good Standing Licensed: 36 Years

CONTACT

3131 Princeton Pike, Lawrence Township, NJ 08648

Gregg Jaclin

Income Tax, Traffic, Immigration, Credit & Debt

Status: In Good Standing Licensed: 29 Years

CONTACT

101 Grovers Mill Rd, Lawrence Township, NJ 08648

Darin S. Portnoy

Collection, Credit & Debt, Business & Trade, Collection

Status: In Good Standing Licensed: 34 Years

CONTACT

3705 Quakerbridge Road, Hamilton, NJ 08619

Darin Scott Portnoy

Health Care Other, Credit & Debt, Collection, Bankruptcy & Debt

Status: In Good Standing Licensed: 34 Years

CONTACT

3490 Us Highway 1, Princeton, NJ 08540

Jonathan Maislen Korn

Credit & Debt

Status: In Good Standing Licensed: 32 Years

CONTACT

300 Carnegie Ctr, Princeton, NJ 08540

Steven King

Litigation, Business, Credit & Debt, Bankruptcy

Status: In Good Standing Licensed: 10 Years

CONTACT

300 Carnegie Ctr, Princeton, NJ 08540

Steven Surachman

Litigation, Business, Credit & Debt, Bankruptcy

Status: In Good Standing Licensed: 10 Years

CONTACT

300 Carnegie Ctr, Princeton, NJ 08540

Steven M. Richman

Motor Vehicle, Divorce & Family Law, Business, Credit & Debt

Status: In Good Standing Licensed: 44 Years

CONTACT

210 Carnegie Center, Princeton, NJ 08540

Russell U. Schenkman

Government, Estate, Business, Credit & Debt

Status: In Good Standing Licensed: 41 Years

CONTACT

13 Roszel Rd, Princeton, NJ 08540

800-923-0641

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LEGAL TERMS

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

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).

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

GENERAL PARTNER

A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the... (more...)

A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the business's debts and obligations. A general partner's actions can legally bind the entire business. See also partnership, limited partnership.

CREDIT FILE

See credit report.

CHAPTER 7 BANKRUPTCY

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 b... (more...)

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 bankruptcy takes from three to six months, costs about $200, and commonly requires only one trip to the courthouse.

DEBT COLLECTOR

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe... (more...)

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe. Debt collectors can be relentless, often using scare tactics, humiliation and repeated phone calls to extract payments or promises to pay.

REPOSSESSION

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and ... (more...)

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and has not attempted to work with the lender to resolve the problem. A repossessor can't use force to get at your car, but he can legally hot-wire it and even drive it out of your unlocked garage.

SAMPLE LEGAL CASES

FORD MOTOR CREDIT COMPANY, LLC v. Calandra

... for reconsideration that Calandra deposed "three Ford credit witnesses." The appellate record only contains Anderson's and Nicosia's depositions. [2] As explained in Ford's statement of material facts in support of summary judgment, not disputed by Calandra, the debt owed by ...

FEDERATED FINANCIAL CORPORATION OF AMERICA v. ECO MEDICAL

... taken up by . . . a futile proceeding"). Even if, for the sake of argument, defendant's failure to file a timely answer was the result of excusable neglect, he presents no meritorious defenses to his personal liability for the credit card debt in this case. ...

FIA CARD SERVICES v. KESSIE

... PER CURIAM. Defendant Prince Kessie appeals from an order of the Law Division granting summary judgment against him for an alleged credit card debt in the amount of $19,214.04 plus costs. We reverse and remand for reinstatement of the pleadings. ...

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Lawrence Township Credit & Debt Lawyer, New Jersey

Sponsored Law Firm

Torres Legal

SPONSORED LAWYERS

Gloria R Buckley

Seth J. Lapidow

Gregg Jaclin

Darin S. Portnoy

Darin Scott Portnoy

Jonathan Maislen Korn

Steven King

Steven Surachman

Steven M. Richman

Russell U. Schenkman

TIPS

LEGAL TERMS

GUARANTOR

LIEN

REDEMPTION

CREDIT REPORT

GENERAL PARTNER

CREDIT FILE

CHAPTER 7 BANKRUPTCY

DEBT COLLECTOR

REPOSSESSION

SAMPLE LEGAL CASES

FORD MOTOR CREDIT COMPANY, LLC v. Calandra

FEDERATED FINANCIAL CORPORATION OF AMERICA v. ECO MEDICAL

FIA CARD SERVICES v. KESSIE

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