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Berkeley Heights Credit & Debt Lawyer, New Jersey

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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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2. Email
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Karra Lynn Kingston

Credit & Debt, Bankruptcy & Debt

Status: In Good Standing

22 Juniper Way, Basking Ridge, NJ 07920

Tam Abitante

Family Law, Elder Law, Credit & Debt, Medical Malpractice

Status: In Good Standing Licensed: 19 Years

44 Arthurs Ct, Berkeley Heights, NJ 07922

Andrew Vaughn Winchell

Credit & Debt, Bankruptcy & Debt, Credit & Debt

Status: In Good Standing

100 Connell Dr, Berkeley Heights, NJ 07922

Scott Alan Leaman

Land Use & Zoning, Estate Planning, Insurance, Credit & Debt

Status: In Good Standing Licensed: 19 Years

220 Park Avenue, Florham Park, NJ 07932

Rahil Darbar

Land Use & Zoning, Estate Planning, Insurance, Credit & Debt

Status: In Good Standing Licensed: 14 Years

220 Park Avenue, Florham Park, NJ 07932

Olga Kats-Chalfant

Land Use & Zoning, Estate Planning, Insurance, Credit & Debt

Status: In Good Standing Licensed: 20 Years

220 Park Avenue, Florham Park, NJ 07932

Julie E Gendel

Land Use & Zoning, Estate Planning, Insurance, Credit & Debt

Status: In Good Standing Licensed: 15 Years

220 Park Avenue, Florham Park, NJ 07932

J Nicole Knox

Land Use & Zoning, Estate Planning, Insurance, Credit & Debt

Status: In Good Standing Licensed: 12 Years

220 Park Avenue, Florham Park, NJ 07932

Richard A Luthmann

Credit & Debt, Election & Political, Estate Planning, International Other

Status: In Good Standing

30 Wood Avenue South, Iselin, NJ 08830

Maja Mojsilovic Obradovic

Lawsuit & Dispute, Employment, Credit & Debt, Bankruptcy & Debt

Status: In Good Standing

99 Wood Ave S, Iselin, NJ 08830

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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

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.

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.

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.

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.

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.

REAFFIRMATION

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing deb... (more...)

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing debt after the bankruptcy case is over. For instance, a debtor might make a reaffirmation agreement with the holder of a car note that the debtor can keep the car and must continue to pay the debt after bankruptcy.

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.

DEFINED CONTRIBUTION PLAN

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount ... (more...)

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount every month, or every year, for each employee. The employer usually pays a fixed percentage of an employee's wages or salary, although sometimes the amount is a fraction of the company's profits, with the size of each employee's pension share depending on the amount of wage or salary. Upon retirement, each employee's pension is determined by how much was contributed to the fund on behalf of that employee over the years, plus whatever earnings that money has accumulated as part of the investments of the entire pension fund.

FRATERNAL BENEFIT SOCIETY BENEFITS

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal socie... (more...)

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal societies that provide benefits. Also called benefit society, benevolent society or mutual aid association benefits. Under bankruptcy laws, these benefits are virtually always considered exempt property.

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. ...

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