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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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Andrew B. Sobel

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

Status: In Good Standing

CONTACT

691 Elizabeth Ave, Newark, NJ 07112

Richard David Chusid

Lawsuit & Dispute, Credit & Debt, Business Organization, Securities Fraud

Status: In Good Standing

FREE CONSULTATION

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2444 Morris Ave., Union, NJ 07083

Andrew M Wolfenson

Civil Rights, Estate Planning, Bankruptcy, Divorce, Criminal

Status: In Good Standing Licensed: 33 Years

CONTACT

2414 Morris Ave, Union, NJ 07083

Andrew M Wolfenson

Civil Rights, Estate Planning, Bankruptcy, Divorce, Criminal

Status: In Good Standing Licensed: 33 Years

CONTACT

2414 Morris Ave, Union, NJ 07083

Bruce W Radowitz

Real Estate, Bankruptcy & Debt

Status: In Good Standing Licensed: 35 Years

CONTACT

636 Chestnut St, Union, NJ 07083

John Nicholas Giorgi

Lawsuit & Dispute, Employment, Bankruptcy & Debt, Accident & Injury

Status: In Good Standing Licensed: 36 Years

CONTACT

2092 Morris Ave, Union, NJ 07083

James J Byrnes

Electronic Commerce, Estate, Civil Rights, Commercial Bankruptcy

Status: In Good Standing Licensed: 51 Years

CONTACT

1495 Morris Avenue, Union, NJ 07083

Pierre Emmanuel Almonacy

Immigration, Domestic Violence & Neglect, Divorce, Bankruptcy

Status: In Good Standing

CONTACT

1466 Morris Avenue, Union, NJ 07083

Michael Lutfy

Criminal, Credit & Debt, Bankruptcy Litigation, Bankruptcy & Debt

Status: In Good Standing

CONTACT

745 Colonial Ave, Union, NJ 07083

Omotayo F Mebude

Real Estate, Bankruptcy & Debt

Status: In Good Standing Licensed: 23 Years

CONTACT

2386 Morris Avenue, Union, NJ 07083

800-923-0641

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LEGAL TERMS

BANKRUPTCY

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are ... (more...)

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are two types of bankruptcies -- liquidation, in which your debts are wiped out (discharged) and reorganization, in which you provide the court with a plan for how you intend to repay your debts. For both consumers and business, liquidation bankruptcy is called Chapter 7. For consumers, reorganization bankruptcy is called Chapter 13. Reorganization bankruptcy for consumers with an extraordinary amount of debt and for businesses is called Chapter 11. Reorganization bankruptcy for family farmers is called Chapter 12.

CHAPTER 13 PLAN

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to ... (more...)

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to pay all mandatory debts -- for example, back child support, taxes, and mortgage arrearages -- as well as some or all unsecured, nonpriority debts, such as medical and credit card bills.

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

NO-FAULT INSURANCE

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain ... (more...)

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain amount, regardless of who was at fault. The effect of no-fault insurance laws is to eliminate lawsuits in small accidents. The advantage is the prompt payment of medical bills and expenses. The downsides are that the amounts paid by no-fault policies are often not enough to fully cover a person's losses and that no-fault does not compensate for pain and suffering.

CREDITOR

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

ACCORD AND SATISFACTION

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collectin... (more...)

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collecting as much money as they can from debtors who cannot pay the full amount.

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

CREDIT BUREAU

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit... (more...)

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit card companies that use the information to screen applicants for loans and credit cards. There are three major credit bureaus, Equifax, Experian and Trans Union, and they are regulated by the federal Fair Credit Reporting Act.

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Union Bankruptcy & Debt Lawyer, New Jersey

Sponsored Law Firm

Torres Legal

SPONSORED LAWYERS

Andrew B. Sobel

Richard David Chusid

Andrew M Wolfenson

Andrew M Wolfenson

Bruce W Radowitz

John Nicholas Giorgi

James J Byrnes

Pierre Emmanuel Almonacy

Michael Lutfy

Omotayo F Mebude

TIPS

LEGAL TERMS

BANKRUPTCY

CHAPTER 13 PLAN

GARNISHMENT

NO-FAULT INSURANCE

CREDITOR

ACCORD AND SATISFACTION

FAIR CREDIT BILLING ACT (FCBA)

COSIGNER

CREDIT BUREAU

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