Roselle Bankruptcy & Debt Lawyer, New Jersey

Sponsored Law Firm

x
Click For More Info:

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
1. Contact
2. Email
3. Refer
5. Visit:
6. Website
7. Profile

Andrew B. Sobel

Landlord-Tenant, Estate Planning, Family Law, Credit & Debt

Status: In Good Standing

CONTACT

691 Elizabeth Ave, Newark, NJ 07112

William G Sanchez

Real Estate, Lawsuit & Dispute, Criminal, Bankruptcy & Debt

Status: In Good Standing Licensed: 23 Years

CONTACT

520 W 1St Ave, Roselle, NJ 07203

Ariel Alvarez

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

Status: In Good Standing

CONTACT

500 N Wood Ave., Linden, NJ 07036

Michael Malloy

Real Estate, Lawsuit & Dispute, Banking & Finance, Collection

Status: In Good Standing

CONTACT

6 Commerce Drive, Cranford, NJ 07016

Michael D Malloy

Employment, Civil & Human Rights, Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 44 Years

CONTACT

6 Commerce Drive, Cranford, NJ 07016

Brianna Elizabeth Jordan

Estate Planning, Labor Law, Employee Rights, Bankruptcy, Professional Responsibility

Status: In Good Standing

CONTACT

14 Commerce Dr, Cranford, NJ 07016

Scott C Pyfer

Real Estate, Bankruptcy & Debt

Status: In Good Standing Licensed: 35 Years

CONTACT

20 Commerce Dr, Cranford, NJ 07016

W. Raymond Felton

Securities, Corporate, Banking & Finance, Reorganization

Status: In Good Standing

CONTACT

99 Wood Avenue South, Woodbridge, NJ 07095

Ellen Ann Geyette

Other, Lawsuit & Dispute, Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 27 Years

CONTACT

10 Wall Street, Cranford, NJ 07016

Diene Hernandez-Rodriguez

Divorce & Family Law, Criminal, Bankruptcy & Debt

Status: In Good Standing Licensed: 24 Years

CONTACT

440 Westfield Ave, Elizabeth, NJ 07208

800-923-0641

Free Help: Use This Form or Call 800-943-8690

Call me for fastest results!
800-943-8690

Free Help: Use This Form or Call 800-943-8690

By submitting this lawyer request, I confirm I have read and agree to the Consent to Receive Messages from all messaging and voice technologies including Email, Text, Phone, Terms of Use, and Privacy Policy. Information provided is not privileged or confidential.

LEGAL TERMS

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.

CREDIT FILE

See credit report.

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.

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.

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.

REAFFIRMATION

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing deb... (more...)

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing debt after the bankruptcy case is over. For instance, a debtor might make a reaffirmation agreement with the holder of a car note that the debtor can keep the car and must continue to pay the debt after bankruptcy.

AUTOMATIC STAY

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities,... (more...)

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities, such as filing or continuing lawsuits, making written requests for payment, or notifying credit reporting bureaus of an unpaid debt.

CHAPTER 13 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.

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.

SORT BY:

FILTER BY:

Free Consultation
Male
Female
Suspended

Roselle Bankruptcy & Debt Lawyer, New Jersey

Sponsored Law Firm

Torres Legal

SPONSORED LAWYERS

Andrew B. Sobel

William G Sanchez

Ariel Alvarez

Michael Malloy

Michael D Malloy

Brianna Elizabeth Jordan

Scott C Pyfer

W. Raymond Felton

Ellen Ann Geyette

Diene Hernandez-Rodriguez

TIPS

LEGAL TERMS

WORKOUT

CREDIT FILE

MEANS TEST

DISPOSABLE INCOME

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

REAFFIRMATION

AUTOMATIC STAY

CHAPTER 13 BANKRUPTCY

DEBT COLLECTOR

SORT BY:

FILTER BY:

PRACTICE AREAS

NEARBY CITY SUGGESTIONS

Lawyer.com Legal Protection Plan

Premium Membership

Additional Services

Resources

My Account Details