Westfield Credit & 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 Vaughn Winchell

Credit & Debt, Bankruptcy & Debt, Credit & Debt

Status: In Good Standing

CONTACT

100 Connell Dr, Berkeley Heights, NJ 07922

Dennis Masar

Labor Law, Employment, Criminal, Credit & Debt

Status: In Good Standing

CONTACT

Scotch Plains, NJ 07076

John Donovan

Immigration, Estate, Business, Credit & Debt, Wills & Probate

Status: In Good Standing

CONTACT

1700 Galloping Hill Rd., Kenilworth, NJ 07033

Jonathan Simeon Goodgold

Litigation, Contract, Credit & Debt, Products Liability

Status: In Good Standing Licensed: 23 Years

CONTACT

33 Bleeker St, Millburn, NJ 07041

Philip D. Stern

Class Action, Credit & Debt, Collection, Bankruptcy & Debt

Status: In Good Standing

CONTACT

697 Valley Street, Maplewood, NJ 07040

Philip Stern

Lawsuit & Dispute, Credit & Debt, Consumer Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

150 Morris Ave, Springfield, NJ 07081

Richard David Chusid

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

Status: In Good Standing

FREE CONSULTATION

CONTACT

2444 Morris Ave., Union, NJ 07083

Sapna Gadhia Llano

General Practice

Status: In Good Standing Licensed: 22 Years

CONTACT

2269 Stocker Ln, Scotch Plains, NJ 07076

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

Wendy Zeft Greenwood

Land Use & Zoning, Insurance, Business, Credit & Debt

Status: In Good Standing Licensed: 21 Years

CONTACT

416 Birch Ave, Westfield, NJ 07090

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

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

FAIR LABOR STANDARDS ACT (FLSA)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements ... (more...)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements for overtime and places restrictions on child labor.

FORBEARANCE

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily ... (more...)

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily postponing or reducing the borrower's payments.

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.

PRESUMED ABUSE

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means te... (more...)

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means test, the court will presume that the debtor has sufficient income to fund a Chapter 13 plan. In this situation, the debtor will not be allowed to proceed with a Chapter 7 bankruptcy unless the debtor can prove that he or she is not abusing the Chapter 7 bankruptcy remedy.

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.

PRIORITY DEBT

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13... (more...)

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13 bankruptcy. Priority debts include alimony and child support, fees owed to the trustee and the attorney in the bankruptcy case, and wages owed to employees.

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.

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.

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. ...

SORT BY:

FILTER BY:

Free Consultation
Male
Female
Suspended

Westfield Credit & Debt Lawyer, New Jersey

Sponsored Law Firm

Torres Legal

SPONSORED LAWYERS

Andrew Vaughn Winchell

Dennis Masar

John Donovan

Jonathan Simeon Goodgold

Philip D. Stern

Philip Stern

Richard David Chusid

Sapna Gadhia Llano

Tam Abitante

Wendy Zeft Greenwood

TIPS

LEGAL TERMS

TRUTH IN LENDING ACT (TILA)

FAIR LABOR STANDARDS ACT (FLSA)

FORBEARANCE

INTEREST

PRESUMED ABUSE

BULK SALES LAW

PRIORITY DEBT

NONEXEMPT PROPERTY

TOXIC TORT

SAMPLE LEGAL CASES

FORD MOTOR CREDIT COMPANY, LLC v. Calandra

FEDERATED FINANCIAL CORPORATION OF AMERICA v. ECO MEDICAL

FIA CARD SERVICES v. KESSIE

SORT BY:

FILTER BY:

PRACTICE AREAS

NEARBY CITY SUGGESTIONS

Lawyer.com Legal Protection Plan

Premium Membership

Additional Services

Resources

My Account Details