Cranford Bankruptcy & Debt Lawyer, New Jersey

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Jose Torres
About | Practice Areas
Torres Legal
129 Prospect St Passaic, NJ 07055» view map
Criminal Defense & Divorce and Family Law
Competent Legal Representation

Founded in 2005, Torres Legal is a Law Firm based in Passaic, NJ whose goal is to provide individuals in need with competent legal representation.

800-761-6810
1. Jose Torres Passaic, NJ
  Attorney at Law, NJ
  Florida Coastal School of Law, LL.M. 2003
2. AboutTorres Legal
  Competent Legal Representation
3. Practice AreasExpertise
  Criminal Defense & Divorce and Family Law
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Adam Michael Brown

Lawsuit & Dispute, Government, Collection, Bankruptcy & Debt

Status: In Good Standing Licensed: 16 Years

CONTACT

350 Springfield Ave, Summit, NJ 07901

Aimee Jackson

Class Action, Collection, White Collar Crime, Family Law

Status: In Good Standing

CONTACT

34 Broad Street, Summit, NJ 07902

Alicia Rojas Batista

Real Estate, Bankruptcy & Debt

Status: In Good Standing Licensed: 28 Years

CONTACT

900 Westminster Ave, Hillside, NJ 07205

Allen J. Barkin

Commercial Real Estate, Alimony & Spousal Support, Banking & Finance, Collection

Status: In Good Standing Licensed: 44 Years

CONTACT

1110 Springfield Road, Union, NJ 07083

Allen J. Barkin

Real Estate, Divorce & Family Law, Banking & Finance, Bankruptcy

Status: In Good Standing Licensed: 44 Years

CONTACT

1110 Springfield Road, Union, NJ 07083

Anayancy Riley Housman

Immigration, Bankruptcy & Debt

Status: In Good Standing Licensed: 28 Years

CONTACT

453 Westminster Ave, Elizabeth, NJ 07208

Andrew Wolfenson

Civil Rights, Estate Planning, Bankruptcy, Divorce, Criminal

Status: In Good Standing Licensed: 33 Years

CONTACT

2414 Morris Avenue, Union, NJ 07083

Andrew Mark Wolfenson

Estate Planning, Divorce, Criminal, Civil Rights, Bankruptcy

Status: In Good Standing

CONTACT

2414 Morris Avenue, Union, NJ 07083

Andrew M Wolfenson

Civil Rights, Estate Planning, Bankruptcy, Divorce, Criminal

Status: In Good Standing

CONTACT

2414 Morris Avenue, Union, NJ 07083

Andrew Marshall Baron

Real Estate Other, Business, Bankruptcy & Debt

Status: In Good Standing

CONTACT

1275 Westfield Avenue, Rahway, NJ 07065

800-923-0641

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LEGAL TERMS

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.

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.

DISCHARGEABLE DEBTS

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bill... (more...)

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bills and medical bills. Compare nondischargeable debts.

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.

S CORPORATION

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status fro... (more...)

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status from the Internal Revenue Service. Electing to do business as an S corporation lets shareholders enjoy limited liability status, as would be true of any corporation, but be taxed like a partnership or sole proprietor. That is, instead of being taxed as a separate entity (as would be the case with a regular or C corporation) an S corporation is a pass-through tax entity: income taxes are reported and paid by the shareholders, not the S corporation. To qualify as an S corporation a number of IRS rules must be met, such as a limit of 75 shareholders and citizenship requirements.

DEBT COLLECTOR

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe... (more...)

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe. Debt collectors can be relentless, often using scare tactics, humiliation and repeated phone calls to extract payments or promises to pay.

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.

C CORPORATION

Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S c... (more...)

Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S corporation, whose profits are passed through to shareholders and taxed on their personal returns under subchapter S of the Internal Revenue Code.

LIMITED LIABILITY

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or ... (more...)

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or a person who invests in a corporation (a shareholder) generally stands to lose only the amount of money invested in the business. This means that if the business folds, creditors cannot seize or sell an owner's home, car, or other personal assets.

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Cranford Bankruptcy & Debt Lawyer, New Jersey

Sponsored Law Firm

Torres Legal

SPONSORED LAWYERS

Adam Michael Brown

Aimee Jackson

Alicia Rojas Batista

Allen J. Barkin

Allen J. Barkin

Anayancy Riley Housman

Andrew Wolfenson

Andrew Mark Wolfenson

Andrew M Wolfenson

Andrew Marshall Baron

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LEGAL TERMS

TRUTH IN LENDING ACT (TILA)

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

DISCHARGEABLE DEBTS

PRESUMED ABUSE

S CORPORATION

DEBT COLLECTOR

BANKRUPTCY TRUSTEE

C CORPORATION

LIMITED LIABILITY

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