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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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2. Email
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Michael S. Vardilli

Real Estate, Industry Specialties, Government, Bankruptcy & Debt

Status: In Good Standing Licensed: 35 Years

CONTACT

1545 Us Highway 206, Bedminster, NJ 07921

Andrew Winchell

Securities, Business, Bankruptcy

Status: In Good Standing Licensed: 28 Years

CONTACT

90 Washington Valley Rd, Bedminster, NJ 07921

J Todd Murphy

Real Estate, Bankruptcy & Debt

Status: In Good Standing Licensed: 29 Years

CONTACT

90 Washington Valley Rd, Bedminster, NJ 07921

Gary A. Blaustein

Child Support, Adoption, Corporate, Collection

Status: In Good Standing Licensed: 40 Years

CONTACT

347 Main St, Bedminster, NJ 07921

Joseph Zapata

Bankruptcy

Status: In Good Standing

CONTACT

Bridgewater, NJ 08807

Lawrence Lesnik

Bankruptcy

Status: In Good Standing

CONTACT

Bridgewater, NJ 08807

Gary Marks

Bankruptcy

Status: In Good Standing

CONTACT

Bridgewater, NJ 08807

Michael Stanton

Family Law, Divorce, Bankruptcy

Status: In Good Standing

CONTACT

Bridgewater, NJ 08807

Kerri McDowell

Wills & Probate, Criminal, Bankruptcy, Car Accident

Status: In Good Standing

CONTACT

Bedminster, NJ 07921

Roberta B. Abramson

Dissolution, Consumer Protection, Motor Vehicle, Consumer Rights, Traffic

Status: In Good Standing Licensed: 35 Years

CONTACT

811 Patridge Drive, Bridgewater, NJ 08807

800-923-0641

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LEGAL TERMS

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.

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 INSURANCE

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay o... (more...)

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay off the remaining balance. Federal and state consumer protection laws require the lender to disclose to existing and potential borrowers the terms and costs of obtaining credit insurance because it can affect the terms of the loan.

ADMINISTRATIVE EXPENSES

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Admi... (more...)

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Administrative costs are typically 10% of the debtor's total payments under the plan.

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.

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.

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.

BANKRUPTCY TRUSTEE

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is t... (more...)

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is to gather the debtor's nonexempt property, liquidate it and distribute it proportionally to her creditors. In a Chapter 13 case, the trustee's role is to receive the debtor's monthly payments and distribute them proportionally to her creditors.

Pluckemin Bankruptcy & Debt Lawyer, New Jersey

Sponsored Law Firm

Torres Legal

SPONSORED LAWYERS

Michael S. Vardilli

Andrew Winchell

J Todd Murphy

Gary A. Blaustein

Joseph Zapata

Lawrence Lesnik

Gary Marks

Michael Stanton

Kerri McDowell

Roberta B. Abramson

TIPS

LEGAL TERMS

DISCHARGEABLE DEBTS

GENERAL PARTNER

CREDIT INSURANCE

ADMINISTRATIVE EXPENSES

FAIR CREDIT REPORTING ACT (FCRA)

TOXIC TORT

GUARANTOR

BANKRUPTCY TRUSTEE

FDCPA

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