Broome County, NY Reorganization Lawyers, page 4

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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.
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Dennis P. Sheehan

Litigation, Commercial Real Estate, Labor Law, Employment

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700 Security Mutual Building, Binghamton, NY 13901

Richard Hart Pille

Health Care Other, Corporate, Business, Medical Malpractice

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80 Exchange Street, Binghamton, NY 13902

Kathryn Grant Madigan

Estate, Elder Law, Wills & Probate, Medicare & Medicaid, Nursing Home

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450 Plaza Drive, Binghamton, NY 13902

Peter A. Orville

Constitutional Law, Banking & Finance, Credit & Debt, Bankruptcy, Motor Vehicle

Status: Licensed: 44 Years

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30 Riverside Dr, Binghamton, NY 13905

Scott C. Gottlieb

Mass Torts, Insurance, Personal Injury, Car Accident, Accident & Injury

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29 Riverside Dr, Binghamton, NY 13905

David Francis Mccarthy

Lawsuit & Dispute

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Binghamton, NY 13902

Jeffrey Alan Brown

Litigation, Workers' Compensation, Personal Injury, Medical Malpractice

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Binghamton, NY 13902

Beth E. Westfall

Real Estate, Trusts, Divorce & Family Law, Civil & Human Rights

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Binghamton, NY 13902

Mark L. Rappaport

Traffic, Estate, Divorce & Family Law, Sexual Harassment, Slip & Fall Accident

Status: Licensed: 56 Years

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Binghamton, NY 13902

Caroline Ann Vadala

Real Estate, Trusts, Estate, Civil & Human Rights

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450 Plaza Drive, Vestal, NY 13850

800-923-0641

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LEGAL TERMS

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

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.

LIMITED PARTNERSHIP

A business structure that allows one or more partners (called limited partners) to enjoy limited personal liability for partnership debts while another partner ... (more...)

A business structure that allows one or more partners (called limited partners) to enjoy limited personal liability for partnership debts while another partner or partners (called general partners) have unlimited personal liability. The key difference between a general and limited partner concerns management decision making--general partners run the business, and limited partners, who are usually passive investors, are not allowed to make day-to-day business decisions. If they do, they risk being treated as general partners with unlimited personal liability.

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.

UNDUE HARDSHIP

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in t... (more...)

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in the future to pay off the loan may be able to show that repayment would be an undue hardship.

CCCS

See Consumer Credit Counseling Service.

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.

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.

401(K) PLAN

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income ... (more...)

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income taxes on the amount invested and any earnings are due until the employee withdraws money from the fund.

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Broome County, NY Reorganization Lawyers, page 4

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

Dennis P. Sheehan

Richard Hart Pille

Kathryn Grant Madigan

Peter A. Orville

Scott C. Gottlieb

David Francis Mccarthy

Jeffrey Alan Brown

Beth E. Westfall

Mark L. Rappaport

Caroline Ann Vadala

TIPS

LEGAL TERMS

CREDIT REPORT

REAFFIRMATION

LIMITED PARTNERSHIP

IRS EXPENSES

UNDUE HARDSHIP

CCCS

PRESUMED ABUSE

COSIGNER

401(K) PLAN

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PRACTICE AREAS 70