Manville 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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Charles Z Schalk

Education, Real Estate Other, Credit & Debt, Car Accident

Status: In Good Standing

CONTACT

56 East Main St, Somerville, NJ 08876

Theodore Liscinski

Bankruptcy, Credit & Debt

Status: In Good Standing

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270 Davidson Ave., Somerset, NJ 08873

Kirsten Busch Ennis

Bankruptcy, Foreclosure, Credit & Debt

Status: In Good Standing Licensed: 33 Years

CONTACT

92 East Main Street, Somerville, NJ 08876

Anthony Reitano

Environmental Law Other, Environmental Law, Divorce & Family Law, Credit & Debt

Status: In Good Standing

CONTACT

Warren, NJ 07059

Karl Paul Frederic

Commercial Real Estate, Trusts, Banking & Finance, Credit & Debt

Status: In Good Standing Licensed: 34 Years

CONTACT

120 Albany St, New Brunswick, NJ 08901

Eric Rochkind

Real Estate, Child Support, Credit & Debt, Slip & Fall Accident

Status: In Good Standing

CONTACT

3146 State Route 27, Kendall Park, NJ 08824

Karra Lynn Kingston

Credit & Debt, Bankruptcy & Debt

Status: In Good Standing

CONTACT

22 Juniper Way, Basking Ridge, NJ 07920

Andrew Vaughn Winchell

Credit & Debt, Bankruptcy & Debt, Credit & Debt

Status: In Good Standing

CONTACT

100 Connell Dr, Berkeley Heights, NJ 07922

Tam Abitante

Family Law, Elder Law, Credit & Debt, Medical Malpractice

Status: In Good Standing Licensed: 19 Years

CONTACT

44 Arthurs Ct, Berkeley Heights, NJ 07922

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.

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.

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.

TRADE NAME

The official name of a business, the one it uses on its letterhead and bank account when not dealing with consumers.

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.

DISCHARGE (OF DEBTS)

A bankruptcy court's erasure of the debts of a person or business that has filed for bankruptcy.

CCCS

See Consumer Credit Counseling Service.

NONEXEMPT PROPERTY

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typicall... (more...)

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typically includes valuable clothing (furs) and electronic equipment, an expensive car that's been paid off and most of the equity in your house. Compare exempt property.

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.

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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Manville Credit & Debt Lawyer, New Jersey

Sponsored Law Firm

Torres Legal

SPONSORED LAWYERS

Charles Z Schalk

Theodore Liscinski

Kirsten Busch Ennis

Anthony Reitano

Karl Paul Frederic

Eric Rochkind

Karra Lynn Kingston

Andrew Vaughn Winchell

Tam Abitante

TIPS

LEGAL TERMS

GUARANTOR

SECRET WARRANTY PROGRAM

DISCHARGEABLE DEBTS

TRADE NAME

FAIR CREDIT REPORTING ACT (FCRA)

DISCHARGE (OF DEBTS)

CCCS

NONEXEMPT PROPERTY

WORKOUT

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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