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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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Alexander Maclean Jeffrey

Credit & Debt

Status: In Good Standing Licensed: 27 Years

CONTACT

399 Knollwood Rd, White Plains, NY 10603

Anthony J. Keogh

Estate, Credit & Debt, Car Accident

Status: In Good Standing Licensed: 41 Years

CONTACT

14 Mamaroneck Ave, White Plains, NY 10601

Bradley David Wank

Motor Vehicle, Litigation, Wills & Probate, Credit & Debt

Status: In Good Standing

CONTACT

20 Crescent Ln, Dobbs Ferry, NY 10522

Bruce Wayne Bieber

Real Estate, Lawsuit & Dispute, US Courts, Credit & Debt

Status: In Good Standing Licensed: 33 Years

CONTACT

1 N Broadway, White Plains, NY 10601

David Brodman

Reorganization, Credit & Debt, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 27 Years

FREE CONSULTATION

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633 Lydig Avenue, Bronx, NY 10462

Edward Vincent Atnally

State and Local, Estate Planning, Pension & Benefits, Credit & Debt

Status: In Good Standing

CONTACT

99 Court St, White Plains, NY 10601

Elizabeth Shollenberger

Divorce, Landlord-Tenant, Election & Political, Credit & Debt

Status: In Good Standing

CONTACT

222 Mamaroneck Avenue, White Plains, NY 10605

Emily Pietromonaco Kahn

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

Status: In Good Standing

CONTACT

1133 Westchester Ave, West Harrison, NY 10604

Gerard P. Brady

Construction, Real Estate, Banking & Finance, Credit & Debt

Status: In Good Standing Licensed: 38 Years

CONTACT

11 Martine Avenue, White Plains, NY 10606

Guy Richard Fairstein

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

Status: In Good Standing Licensed: 55 Years

CONTACT

15 Stewart Pl, White Plains, NY 10603

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.

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.

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

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.

DISCHARGE (OF DEBTS)

A bankruptcy court's erasure of the debts of a person or business that has filed for bankruptcy.

CREDITOR

A person or entity (such as a bank) to whom a debt is owed.

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemp... (more...)

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemptible because it has been damaged or destroyed.

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.

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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Bronxville Credit & Debt Lawyer, New York

Sponsored Law Firm

Osorio Cachaya Law Offices, PLLC

SPONSORED LAWYERS

Alexander Maclean Jeffrey

Anthony J. Keogh

Bradley David Wank

Bruce Wayne Bieber

David Brodman

Edward Vincent Atnally

Elizabeth Shollenberger

Emily Pietromonaco Kahn

Gerard P. Brady

Guy Richard Fairstein

TIPS

LEGAL TERMS

DISPOSABLE INCOME

CHAPTER 7 BANKRUPTCY

GARNISHMENT

MEANS TEST

GRACE PERIOD

DISCHARGE (OF DEBTS)

CREDITOR

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

SUBROGATION

SAMPLE LEGAL CASES

COLLINS FIN. v. Vigilante

Grasso v. Grasso

PRA III LLC v. Gonzalez

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