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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

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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

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.

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.

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemp... (more...)

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemptible because it has been damaged or destroyed.

LIQUIDATING PARTNER

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

BULK SALES LAW

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to ... (more...)

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to conduct a bulk sale of business assets -- that is, get rid of an unusually large amount of inventory, merchandise or equipment -- the business owner must typically publish a notice of the sale and give written notice to creditors. Then, the owner must set up an account to hold the funds from the sale for a brief period of time during which creditors may make claims against the money. The prohibition against bulk sales is spelled out in the Uniform Commercial Code -- and laws modeled on the UCC have been generally adopted throughout the country.

CREDITOR

A person or entity (such as a bank) to whom a debt is owed.

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

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

TOXIC TORT

WORKOUT

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

LIQUIDATING PARTNER

BULK SALES LAW

CREDITOR

DISPOSABLE INCOME

INTEREST

IRS EXPENSES

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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