Collins Center Collection Lawyer, New York

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David T Stephenson

Intellectual Property, Industry Specialties, Collection, Products Liability
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  20 Years

Joseph John Terranova

Consumer Protection, Civil Rights, Collection, Household Mold
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  45 Years

Daria Lynnette Pratcher

Commercial Real Estate, Real Estate, Business & Trade, Collection
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  21 Years

Joseph J. Marusak

Patent, DUI-DWI, Collection, Products Liability
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  43 Years

Mitchell M. Stenger

Other, Patent, Industry Specialties, Collection
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  37 Years

William Edward Nowakowski

Lawsuit & Dispute, Collection, Bankruptcy & Debt, Products Liability
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  40 Years

Gerald Chiari

Collection
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  53 Years

Richard John Biryla

Real Estate, Lawsuit & Dispute, Estate, Collection
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  46 Years

Roseanne J. Moran

Collection
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  25 Years

Vincent Lotempio

Trademark, Patent, Intellectual Property, Collection
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           

Free Help: Use This Form or Call 800-814-6700

Member Representative

Call me for fastest results!
800-943-8690

Free Help: Use This Form or Call 800-943-8690

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LEGAL TERMS

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.

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.

DOING BUSINESS AS (DBA)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or ... (more...)
A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or similar document with the appropriate agency -- for example, the county clerk. This enables consumers to discover the names of the business owners, which is important if a consumer needs to sue the business.

FORBEARANCE

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily ... (more...)
Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily postponing or reducing the borrower's payments.

CREDIT COUNSELING

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Unde... (more...)
Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Under the new bankruptcy law, a debtor must undergo credit counseling with an approved provider before filing for bankruptcy.

FCRA

See Fair Credit Reporting Act.

NONDISCHARGEABLE DEBTS

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chap... (more...)
Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chapter 13 bankruptcy, the nondischargeable debts will have to be paid in full during your plan or you will have a balance at the end of your case. Examples of nondischargeable debts include alimony and child support, most income tax debts, many student loans and debts for personal injury or death caused by drunk driving. Compare dischargeable debts.

CREDIT FILE

See credit report.

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)
A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

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