Concord Bankruptcy & Debt Lawyer, New York, page 2

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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.
1. Contact
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7. Profile

Michael Lawrence Schwartz

Bankruptcy

Status:

CONTACT

Hamburg, NY 14075

Dennis Charles Gaughan

Real Estate, Estate, Criminal, Bankruptcy & Debt

Status:

CONTACT

6161 S Park Ave, Hamburg, NY 14075

Salvatore Richard Martoche

Tax, Real Estate, Business, Bankruptcy & Debt

Status: Licensed: 56 Years

CONTACT

5315 Oakridge Dr, Hamburg, NY 14075

James Monroe Shaw

International, Divorce & Family Law, Bankruptcy & Debt

Status: Licensed: 51 Years

CONTACT

4819 S Park Ave, Hamburg, NY 14075

Thomas Michael Ansuini

Other, Industry Specialties, Business, Bankruptcy & Debt

Status: Licensed: 51 Years

CONTACT

4819 S Park Ave, Hamburg, NY 14075

Michael Joseph Montesano

Real Estate, Estate, Environmental Law, Bankruptcy & Debt

Status: Licensed: 35 Years

CONTACT

38 Lake St, Hamburg, NY 14075

Lee Jason Fabiatos

Workers' Compensation, Securities, Bankruptcy, Medical Malpractice

Status: Licensed: 11 Years

CONTACT

202 Main St, Hamburg, NY 14075

Richard James Friedman

Divorce, Divorce & Family Law, Securities, Bankruptcy

Status: Licensed: 17 Years

CONTACT

202 Main St, Hamburg, NY 14075

Albert J. Mogavero

Real Estate, Bankruptcy & Debt

Status: Licensed: 55 Years

CONTACT

9 Brookins Green Dr, Orchard Park, NY 14127

Leonard Berkowitz

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

Status: Licensed: 52 Years

CONTACT

4513 S Buffalo St, Orchard Park, NY 14127

800-923-0641

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800-943-8690

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LEGAL TERMS

SOLE PROPRIETORSHIP

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, m... (more...)

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, meaning that business profits are reported and taxed on the owner's personal tax return. Setting up a sole proprietorship is cheap and easy since no legal formation documents need be filed with any governmental agency (although tax registration and other permit and license requirements may still apply). Once you file a fictitious name statement (assuming you don't use your own name) and obtain any required basic tax permits and business licenses, you'll be in business. The main downside of a sole proprietorship is that its owner is personally liable for all business debts.

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

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.

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.

DEBIT CARD

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can ... (more...)

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can also be used at stores to pay for goods and services in place of a check. Unlike a credit card, a debit card automatically withdraws money from your checking account at the time of the transaction. Debit cards are regulated by the Electronic Funds Transfer Act.

CCCS

See Consumer Credit Counseling Service.

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.

ADMINISTRATIVE EXPENSES

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Admi... (more...)

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Administrative costs are typically 10% of the debtor's total payments under the plan.

Concord Bankruptcy & Debt Lawyer, New York, page 2

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

Michael Lawrence Schwartz

Dennis Charles Gaughan

Salvatore Richard Martoche

James Monroe Shaw

Thomas Michael Ansuini

Michael Joseph Montesano

Lee Jason Fabiatos

Richard James Friedman

Albert J. Mogavero

Leonard Berkowitz

TIPS

LEGAL TERMS

SOLE PROPRIETORSHIP

COLLECTION AGENCY

MEANS TEST

TRUTH IN LENDING ACT (TILA)

DEBIT CARD

CCCS

FAIR CREDIT BILLING ACT (FCBA)

ADMINISTRATIVE EXPENSES

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