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Abraham Michelson
About | Practice Areas
The Michelson Law Office
203 North Lasalle Street Suite 2100 Chicago, IL 60601Â» view map
Bankruptcy, Chapter 7, Chapter 13
Chicago Bankruptcy Lawyer

When your finances are at stake, choose the best. Don't sink deeper in debt. Contact The Michelson Law Office

800-824-6431
1. Abraham Michelson Chicago, IL
  Attorney at Law - Illinois, 2013
  Thomas Cooley, JD, 2004
2. AboutAbraham Michelson
  Our legal team can advise you on your options for negotiating a solution.
3. Practice AreasServices
  Find out how an experienced attorney can help end calls and prevent lawsuits.
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Elliot Scott Schlissel

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Divorce & Family Law, Criminal, Real Estate, Wills & Probate, Bankruptcy & Debt

I am available to help my clients 7 days a week.

The Law Offices of Schlissel DeCorpo is composed of attorneys and paralegals who are caring, dedicated professionals contributing experience and exper... (more)

FREE CONSULTATION

CONTACT

800-718-3171

479 Merrick Rd, Lynbrook, NY 11563

Joseph Obermeister

Collection

Status: Licensed: 16 Years

CONTACT

136-B Cedarhurst Ave, Cedarhurst, NY 11516

David Laniado

International, Divorce & Family Law, Bankruptcy & Debt

Status: Licensed: 29 Years

CONTACT

411 Westminster Rd, Cedarhurst, NY 11516

David Ruskin

Family Law, Credit & Debt, Foreclosure

Status: Licensed: 4 Years

CONTACT

445 Central Ave, Cedarhurst, NY 11516

Igor Meystelman

Family Law, Bankruptcy, Litigation, Intellectual Property, Credit & Debt

Status: Licensed: 15 Years

CONTACT

445 Central Avenue, Cedarhurst, NY 11516

Michael Ershowsky

Business, Corporate, Bankruptcy & Debt, Litigation

Status: Licensed: 11 Years

FREE CONSULTATION

CONTACT

483 Central Ave, Cedarhurst, NY 11516

Issac Cwibeker

Bankruptcy & Debt, Credit & Debt, Business, Lawsuit & Dispute, Criminal

Status: Licensed: 9 Years

FREE CONSULTATION

CONTACT

483 Chestnut Street, Cedarhurst, NY 11516

Michael H. Gerber

Bankruptcy

Status: Licensed: 56 Years

CONTACT

1340 Noel Ave, Hewlett, NY 11557

Jason Adam Gang

Commercial Real Estate, Wills, Collection

Status: Licensed: 3 Years

CONTACT

1245 Hewlett Plaza, Hewlett, NY 11557

Edward Marvin Grushko

Industry Specialties, Business, Bankruptcy & Debt

Status: Licensed: 44 Years

CONTACT

1800 Rockaway Ave, Hewlett, NY 11557

800-814-6700

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800-943-8690

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LEGAL TERMS

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.

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

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.

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.

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.

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

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.

NONDISCHARGEABLE DEBTS

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chap... (more...)

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chapter 13 bankruptcy, the nondischargeable debts will have to be paid in full during your plan or you will have a balance at the end of your case. Examples of nondischargeable debts include alimony and child support, most income tax debts, many student loans and debts for personal injury or death caused by drunk driving. Compare dischargeable debts.

LIMITED LIABILITY

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or ... (more...)

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or a person who invests in a corporation (a shareholder) generally stands to lose only the amount of money invested in the business. This means that if the business folds, creditors cannot seize or sell an owner's home, car, or other personal assets.

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Atlantic Beach Bankruptcy & Debt Lawyer, New York

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

Elliot Scott Schlissel

Joseph Obermeister

David Laniado

David Ruskin

Igor Meystelman

Michael Ershowsky

Issac Cwibeker

Michael H. Gerber

Jason Adam Gang

Edward Marvin Grushko

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LEGAL TERMS

INTEREST

CURRENT MONTHLY INCOME

TRUTH IN LENDING ACT (TILA)

WORKOUT

SUBROGATION

LIEN

FAIR CREDIT REPORTING ACT (FCRA)

NONDISCHARGEABLE DEBTS

LIMITED LIABILITY

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