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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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Paul Ira Perlman

Real Estate, Intellectual Property, Employment, Business, Consumer Bankruptcy

Status: In Good Standing Licensed: 45 Years

CONTACT

1800 One M&T Plaza, Buffalo, NY 14203

William Joseph Brown

Litigation, Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 45 Years

CONTACT

125 Main St, Buffalo, NY 14203

Cheryl-Lane Heather Bechakas

Commercial Real Estate, Electronic Commerce, Trusts, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 29 Years

CONTACT

5330 Main St, Buffalo, NY 14221

John Patrick Gaughan

Insurance, Bankruptcy & Debt, Products Liability, Personal Injury

Status: In Good Standing Licensed: 24 Years

CONTACT

200 Delaware Ave, Buffalo, NY 14202

Daniel Wisher

Family Law, Bankruptcy

Status: In Good Standing Licensed: 20 Years

CONTACT

5678 Main St, Buffalo, NY 14221

William Harold Baaki

Litigation, Commercial Bankruptcy

Status: In Good Standing

CONTACT

Buffalo, NY 14201

Steven William Klutkowski

Industry Specialties, Environmental Law, Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 19 Years

CONTACT

701 Seneca St, Buffalo, NY 14210

Richard I. Leff

Divorce & Family Law, Criminal, Bankruptcy & Debt, Bankruptcy & Debt

Status: In Good Standing

CONTACT

705 Brisbane Building, Buffalo, NY 14203

Donald P. Sheldon

Bankruptcy & Debt

Status: In Good Standing Licensed: 65 Years

CONTACT

300 International Dr, Buffalo, NY 14221

Franklin William Heller

Real Estate, Insurance, Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 51 Years

CONTACT

200 Delaware Ave, Buffalo, NY 14202

800-923-0641

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LEGAL TERMS

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.

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

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.

NUISANCE FEES

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fe... (more...)

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fees, inactivity fees and fees for not carrying a balance from month to month. It's best to shop around and get rid of cards that have these fees attached.

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

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.

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

CCCS

See Consumer Credit Counseling Service.

BANKRUPTCY TRUSTEE

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is t... (more...)

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is to gather the debtor's nonexempt property, liquidate it and distribute it proportionally to her creditors. In a Chapter 13 case, the trustee's role is to receive the debtor's monthly payments and distribute them proportionally to her creditors.

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Bliss Bankruptcy & Debt Lawyer, New York, page 4

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

Paul Ira Perlman

William Joseph Brown

Cheryl-Lane Heather Bechakas

John Patrick Gaughan

Daniel Wisher

William Harold Baaki

Steven William Klutkowski

Richard I. Leff

Donald P. Sheldon

Franklin William Heller

TIPS

LEGAL TERMS

DISPOSABLE INCOME

IRS EXPENSES

REAFFIRMATION

NUISANCE FEES

GRACE PERIOD

FAIR CREDIT BILLING ACT (FCBA)

COSIGNER

CCCS

BANKRUPTCY TRUSTEE

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