Edison Collection Lawyer, New Jersey, page 2

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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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Robert Colby

Landlord-Tenant, Employment, Business, Collection

Status: In Good Standing

CONTACT

73 Church Street, New Brunswick, NJ 08901

James Sanford Friedman

Military & Veterans Appeals, Collection, Bankruptcy

Status: In Good Standing

CONTACT

5 Elm Row, New Brunswick, NJ 08901

James S. Friedman

Military & Veterans Appeals, Criminal, Collection, Bankruptcy

Status: In Good Standing Licensed: 32 Years

CONTACT

5 Elm Row, New Brunswick, NJ 08901

Daniel Ivan Rubin

Collection

Status: In Good Standing Licensed: 19 Years

CONTACT

1520 U.S. Highway 130, North Brunswick, NJ 08902

William Harbach Brosha

Child Custody, Business & Trade, Collection, Bankruptcy

Status: In Good Standing Licensed: 36 Years

CONTACT

850 Carolier Lane, North Brunswick, NJ 08902

Carl E. Zapffe

Collection

Status: In Good Standing Licensed: 20 Years

CONTACT

30 Knightsbridge Rd, Piscataway, NJ 08854

Tara N. Pomparelli

Collection, Employment Contracts, Business

Status: In Good Standing Licensed: 11 Years

CONTACT

1401 Witherspoon St, Rahway, NJ 07065

Thomas G Russomano

Lawsuit & Dispute, Collection

Status: In Good Standing Licensed: 32 Years

CONTACT

1771 Front St, Scotch Plains, NJ 07076

Michael Jay Jurista

Landlord-Tenant, Litigation, Civil Rights, Collection

Status: In Good Standing Licensed: 16 Years

CONTACT

101 Town Center Dr, Warren, NJ 07059

Edward P Ruane

Insurance, Collection, Medical Malpractice, Workers' Compensation

Status: In Good Standing

CONTACT

776 Mountain Blvd, Watchung, NJ 07069

800-923-0641

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LEGAL TERMS

FRAUDULENT TRANSFER

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee --... (more...)

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee -- for instance, when a debtor signs a car over to a relative to keep it out of the bankruptcy estate. Fraudulently transferred property can be recovered and sold by the trustee for the benefit of the creditors.

REPOSSESSION

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and ... (more...)

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and has not attempted to work with the lender to resolve the problem. A repossessor can't use force to get at your car, but he can legally hot-wire it and even drive it out of your unlocked garage.

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.

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.

GUARANTEED RESERVATION

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehic... (more...)

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehicle for you no matter when you show up. If you have a guaranteed reservation with a hotel, it must provide you with a room, either at that hotel or at another comparable establishment. If you have a guaranteed reservation with a car agency, it must provide you with a vehicle. The downside of a guaranteed reservation is that if you don't show up and haven't cancelled your reservation, you will be billed for one night in the room or one day's use of the vehicle.

DEFINED CONTRIBUTION PLAN

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount ... (more...)

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount every month, or every year, for each employee. The employer usually pays a fixed percentage of an employee's wages or salary, although sometimes the amount is a fraction of the company's profits, with the size of each employee's pension share depending on the amount of wage or salary. Upon retirement, each employee's pension is determined by how much was contributed to the fund on behalf of that employee over the years, plus whatever earnings that money has accumulated as part of the investments of the entire pension fund.

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.

WORKOUT

A debtor's plan to take care of a debt, by paying it off or through loan forgiveness. Workouts are often created to avoid bankruptcy or foreclosure proceedings.

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.

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Edison Collection Lawyer, New Jersey, page 2

Sponsored Law Firm

Torres Legal

SPONSORED LAWYERS

Robert Colby

James Sanford Friedman

James S. Friedman

Daniel Ivan Rubin

William Harbach Brosha

Carl E. Zapffe

Tara N. Pomparelli

Thomas G Russomano

Michael Jay Jurista

Edward P Ruane

TIPS

LEGAL TERMS

FRAUDULENT TRANSFER

REPOSSESSION

UNDUE HARDSHIP

FORBEARANCE

GUARANTEED RESERVATION

DEFINED CONTRIBUTION PLAN

ADMINISTRATIVE EXPENSES

WORKOUT

SETOFF

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