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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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Andrew B. Sobel

Landlord-Tenant, Estate Planning, Family Law, Credit & Debt

Status: In Good Standing

CONTACT

691 Elizabeth Ave, Newark, NJ 07112

Leah Capece

Credit & Debt, Collection, Bankruptcy, Bankruptcy & Debt

FREE CONSULTATION

CONTACT

1139 E Jersey St, Elizabeth, NJ 07201

Bruce Harry Bergen

Criminal, Bankruptcy & Debt, Personal Injury, Accident & Injury

Status: In Good Standing Licensed: 44 Years

CONTACT

Elizabeth, NJ 07207

Caroline Cooper

Intellectual Property, Family Law, Corporate, Bankruptcy

Status: In Good Standing

CONTACT

Elizabeth, NJ 07201

Ksenia Vladimirovna Proskurchenko

Immigration, Divorce & Family Law, Business, Bankruptcy & Debt

Status: Suspended Licensed: 16 Years

CONTACT

570 N Broad St, Elizabeth, NJ 07208

Maria D. Ramos-Persaud

Real Estate, Government, Bankruptcy & Debt

Status: In Good Standing Licensed: 26 Years

CONTACT

60 Prince St, Elizabeth, NJ 07208

Juliana Diaz

Real Estate, Immigration, Divorce & Family Law, Bankruptcy & Debt

Status: In Good Standing Licensed: 16 Years

CONTACT

700 Rahway Ave, Elizabeth, NJ 07202

Anayancy Housman

Immigration, Bankruptcy

Status: In Good Standing

CONTACT

2 South Broad Street, Elizabeth, NJ 07201

Anayancy Housman

Immigration, Bankruptcy

Status: In Good Standing

CONTACT

2 South Broad Street, Elizabeth, NJ 07201

Robert Brotman

Real Estate, Divorce & Family Law, Bankruptcy & Debt, Accident & Injury

Status: In Good Standing Licensed: 57 Years

CONTACT

1139 East Jersey Street, Elizabeth, NJ 07201

800-923-0641

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LEGAL TERMS

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.

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

TRADE NAME

The official name of a business, the one it uses on its letterhead and bank account when not dealing with consumers.

CREDITOR

A person or entity (such as a bank) to whom a debt is owed.

TRADE DRESS

The distinctive packaging or design of a product that promotes the product and distinguishes it from other products in the marketplace -- for example, the shape... (more...)

The distinctive packaging or design of a product that promotes the product and distinguishes it from other products in the marketplace -- for example, the shape of Frangelico liqueur bottles. Trade dress can be protected under trademark law if a showing can be made that the average consumer would likely be confused as to product origin if another product were allowed to appear in similar dress.

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.

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Elizabethport Bankruptcy & Debt Lawyer, New Jersey

Sponsored Law Firm

Torres Legal

SPONSORED LAWYERS

Andrew B. Sobel

Leah Capece

Bruce Harry Bergen

Caroline Cooper

Ksenia Vladimirovna Proskurchenko

Maria D. Ramos-Persaud

Juliana Diaz

Anayancy Housman

Anayancy Housman

Robert Brotman

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LEGAL TERMS

BANKRUPTCY TRUSTEE

REDEMPTION

LIEN

GARNISHMENT

CREDIT REPORT

TRADE NAME

CREDITOR

TRADE DRESS

FORBEARANCE

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