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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.
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James Edward Westman

Employee Rights, Family Law, Divorce & Family Law, Collection, Personal Injury

Status: Licensed: 48 Years

CONTACT

300 E 6Th St, Jamestown, NY 14701

Daria Lynnette Pratcher

Commercial Real Estate, Real Estate, Business & Trade, Collection

Status: Licensed: 21 Years

CONTACT

37 Franklin St, Buffalo, NY 14202

Joseph J. Marusak

Patent, DUI-DWI, Collection, Products Liability

Status: Licensed: 43 Years

CONTACT

69 Delaware Ave, Buffalo, NY 14202

Mitchell M. Stenger

Other, Patent, Industry Specialties, Collection

Status: Licensed: 37 Years

CONTACT

69 Delaware Ave, Buffalo, NY 14202

William Edward Nowakowski

Lawsuit & Dispute, Collection, Bankruptcy & Debt, Products Liability

Status: Licensed: 40 Years

CONTACT

69 Delaware Ave, Buffalo, NY 14202

Gerald Chiari

Collection

Status: Licensed: 53 Years

CONTACT

1440 Rand Building, Buffalo, NY 14203

Richard John Biryla

Real Estate, Lawsuit & Dispute, Estate, Collection

Status: Licensed: 46 Years

CONTACT

14 Lafayette Square, Buffalo, NY 14203

Vincent Lotempio

Trademark, Patent, Intellectual Property, Collection

Status:

CONTACT

8555 Main St, Buffalo, NY 14221

Vincent G. Lo Tempio

Intellectual Property, DUI-DWI, Collection, Products Liability

Status: Licensed: 38 Years

CONTACT

8555 Main St, Buffalo, NY 14221

Roseanne J. Moran

Collection

Status: Licensed: 25 Years

CONTACT

4476 Main St, Buffalo, NY 14226

800-814-6700

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800-943-8690

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LEGAL TERMS

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

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.

NO-FAULT INSURANCE

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain ... (more...)

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain amount, regardless of who was at fault. The effect of no-fault insurance laws is to eliminate lawsuits in small accidents. The advantage is the prompt payment of medical bills and expenses. The downsides are that the amounts paid by no-fault policies are often not enough to fully cover a person's losses and that no-fault does not compensate for pain and suffering.

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

NUISANCE FEES

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fe... (more...)

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fees, inactivity fees and fees for not carrying a balance from month to month. It's best to shop around and get rid of cards that have these fees attached.

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.

PREFERENCE

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commer... (more...)

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commercial creditors) and within one year for insider creditors (friends, family members, and business associates). Because a preference gives the creditor who received the payment an edge over other creditors in the bankruptcy case, the trustee can recover the preference (the amount of the payment) and distribute it among all of the creditors.

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.

LOSS DAMAGE WAIVER (LDW)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it ofte... (more...)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it often duplicates coverage provided by the renter's regular car insurance and/or the credit card she uses to rent the car. Nevertheless, hard-sell practices by rental car agents often dupe people into buying LDWs they don't really need. LDW is also called 'collision damage waiver.'

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Dayton Collection Lawyer, New York

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

James Edward Westman

Daria Lynnette Pratcher

Joseph J. Marusak

Mitchell M. Stenger

William Edward Nowakowski

Gerald Chiari

Richard John Biryla

Vincent Lotempio

Vincent G. Lo Tempio

Roseanne J. Moran

TIPS

LEGAL TERMS

SETOFF

DEBIT CARD

NO-FAULT INSURANCE

MEETING OF CREDITORS

NUISANCE FEES

MEANS TEST

PREFERENCE

NONDISCHARGEABLE DEBTS

LOSS DAMAGE WAIVER (LDW)

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