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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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James Joseph Sullivan

Real Estate, Family Law, Banking & Finance, Commercial Bankruptcy

Status: In Good Standing

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74 West Ln, Pound Ridge, NY 10576

Farva Jafri

Bankruptcy & Debt, Tax, Divorce, Estate Planning, White Collar Crime

Status: In Good Standing

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50 Evergreen Row, Armonk, NY 10504

Gregory M Alker

Environmental Law Other, Criminal, Administrative Law, Consumer Bankruptcy

Status: In Good Standing Licensed: 25 Years

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100 S Bedford Rd, Mount Kisco, NY 10549

Susan Colleen Alker

Public Finance, Business & Trade, Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 27 Years

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100 S Bedford Rd, Mount Kisco, NY 10549

Gregory Michael Alker

Environmental Law Other, Criminal, Administrative Law, Consumer Bankruptcy

Status: In Good Standing Licensed: 25 Years

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100 S Bedford Rd, Mount Kisco, NY 10549

Maurice F. Curran

Industry Specialties, Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 67 Years

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61 Smith Ave, Mount Kisco, NY 10549

Peter K. Nardone

International, Divorce & Family Law, Bankruptcy & Debt

Status: In Good Standing Licensed: 34 Years

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118 N Bedford Rd, Mount Kisco, NY 10549

Scott W. Reynolds

Commercial Real Estate, Class Action, Banking & Finance, Commercial Bankruptcy

Status: In Good Standing Licensed: 29 Years

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118 N Bedford Rd, Mount Kisco, NY 10549

Harry C. Kaufman

Real Estate, Divorce & Family Law, Bankruptcy & Debt

Status: In Good Standing Licensed: 47 Years

CONTACT

118 N Bedford Rd, Mount Kisco, NY 10549

Derin Edip-Walden

Landlord-Tenant, Divorce & Family Law, Collection

Status: In Good Standing Licensed: 29 Years

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118 N Bedford Rd, Mount Kisco, NY 10549

800-923-0641

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LEGAL TERMS

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.

PREFERENCE

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commer... (more...)

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commercial creditors) and within one year for insider creditors (friends, family members, and business associates). Because a preference gives the creditor who received the payment an edge over other creditors in the bankruptcy case, the trustee can recover the preference (the amount of the payment) and distribute it among all of the creditors.

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.

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.

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 DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

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.

HOUSEHOLDER

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a ho... (more...)

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a homestead exemption and possibly other exemptions relating to the maintenance of the household.

CHAPTER 7 BANKRUPTCY

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 b... (more...)

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 bankruptcy takes from three to six months, costs about $200, and commonly requires only one trip to the courthouse.

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Bedford Bankruptcy & Debt Lawyer, New York

Sponsored Law Firm

Osorio Cachaya Law Offices, PLLC

SPONSORED LAWYERS

James Joseph Sullivan

Farva Jafri

Gregory M Alker

Susan Colleen Alker

Gregory Michael Alker

Maurice F. Curran

Peter K. Nardone

Scott W. Reynolds

Harry C. Kaufman

Derin Edip-Walden

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LEGAL TERMS

FAIR CREDIT BILLING ACT (FCBA)

PREFERENCE

WORKOUT

PRESUMED ABUSE

ACCORD AND SATISFACTION

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

PRIORITY DEBT

HOUSEHOLDER

CHAPTER 7 BANKRUPTCY

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