Armonk Credit & Debt Lawyer, New York

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Jesus Cachaya
About | Practice Areas
Osorio Cachaya Law Offices, PLLC
203 E Post Rd 1st Floor White Plains, NY 10601» view map
Accident & Injury, Criminal, Family, Immigration
Experienced Legal Assistance!

Osorio Cachaya Law Offices, PLLC is a family-owned law office that has been offering a team approach to legal issues since 1999.Se Hablamos Espanol

800-318-9750
1. Jesus Cachaya White Plains, NY
  Attorney at Law- NY
  Capital University Law School, JD 2008
2. AboutOsorio Cachaya Law Offices, PLLC
  Experienced Legal Assistance!
3. Practice AreasExpertise
  Accident & Injury
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Debra Palazzo

Landlord-Tenant, Trusts, DUI-DWI, Credit & Debt

Status: In Good Standing Licensed: 23 Years

CONTACT

317 Elwood Ave, Hawthorne, NY 10532

Guy Richard Fairstein

Landlord-Tenant, State and Local, Wills & Probate, Credit & Debt

Status: In Good Standing Licensed: 55 Years

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15 Stewart Pl, White Plains, NY 10603

Emily Pietromonaco Kahn

International, Estate, Divorce & Family Law, Credit & Debt

Status: In Good Standing

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1133 Westchester Ave, West Harrison, NY 10604

Kelly Ann Hodges

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

Status: In Good Standing Licensed: 14 Years

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55 Church St, White Plains, NY 10601

Martin Bernard Schwimmer

Patent, Intellectual Property, Domain Names, US Courts, Credit & Debt

Status: In Good Standing Licensed: 36 Years

CONTACT

1 Barker Ave, White Plains, NY 10601

Nathan Horowitz

Bankruptcy & Debt, Real Estate, Credit & Debt, Bankruptcy, Consumer Bankruptcy

Status: In Good Standing

CONTACT

1 Barker Avenue, White Plains, NY 10601

Keyi Xu

Patent, Federal, Credit & Debt, Car Accident

Status: In Good Standing Licensed: 7 Years

CONTACT

One Barker Ave, White Plains, NY 10601

Maiaklovsky Preval

Commercial Real Estate, Dispute Resolution, Immigration, Credit & Debt

Status: In Good Standing Licensed: 15 Years

CONTACT

75 S Broadway, White Plains, NY 10601

Joel S. Lever

Real Estate, Medicare & Medicaid, Health Care, Credit & Debt

Status: In Good Standing

CONTACT

1 N Broadway, White Plains, NY 10601

Stephen Joseph Nelson

Pension & Benefits, Contract, Business, Credit & Debt

Status: In Good Standing Licensed: 38 Years

CONTACT

445 Hamilton Ave, White Plains, NY 10601

800-923-0641

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LEGAL TERMS

SUBROGATION

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off i... (more...)

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off its injured claimant takes the legal rights the claimant has against a third party that caused the injury, and sues that third party.

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.

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.

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.

CREDIT COUNSELING

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Unde... (more...)

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Under the new bankruptcy law, a debtor must undergo credit counseling with an approved provider before filing for bankruptcy.

UNSECURED DEBT

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only reme... (more...)

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only remedy is to sue you and get a judgment. Compare secured debt.

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.

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.

C CORPORATION

Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S c... (more...)

Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S corporation, whose profits are passed through to shareholders and taxed on their personal returns under subchapter S of the Internal Revenue Code.

SAMPLE LEGAL CASES

COLLINS FIN. v. Vigilante

... Such a system is not tolerable in regard to credit card and other consumer credit debt cases where items such as the interest rate, late payment charge, and over-the-limit fees may change several times over the course of the consumer credit agreement. ...

Grasso v. Grasso

... 765 The husband also correctly contends that the Supreme Court improvidently exercised its discretion by, in effect, holding him responsible for 100% of the credit card obligations that constitute the parties' marital debt as well as all the marital debt that was solely in the wife's ...

PRA III LLC v. Gonzalez

... agreement to extend credit to the defendant, the issuance of credit cards at the defendant's address, his use of credit cards, his ... Moreover, the plaintiff submitted no evidence demonstrating the defendant's intention to pay the alleged debt (see General Obligations Law Â§ 17-101 ...

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Armonk Credit & Debt Lawyer, New York

Sponsored Law Firm

Osorio Cachaya Law Offices, PLLC

SPONSORED LAWYERS

Debra Palazzo

Guy Richard Fairstein

Emily Pietromonaco Kahn

Kelly Ann Hodges

Martin Bernard Schwimmer

Nathan Horowitz

Keyi Xu

Maiaklovsky Preval

Joel S. Lever

Stephen Joseph Nelson

TIPS

LEGAL TERMS

SUBROGATION

NO-FAULT INSURANCE

DISPOSABLE INCOME

FAIR CREDIT REPORTING ACT (FCRA)

CREDIT COUNSELING

UNSECURED DEBT

ACCORD AND SATISFACTION

DEBT COLLECTOR

C CORPORATION

SAMPLE LEGAL CASES

COLLINS FIN. v. Vigilante

Grasso v. Grasso

PRA III LLC v. Gonzalez

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