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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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Forrest Scott Turkish

Accident & Injury, Employment, Lawsuit & Dispute, Collection, Business

Status: In Good Standing Licensed: 38 Years

CONTACT

595 Broadway, Bayonne, NJ 07002

Herman L Alarcon

Traffic, Criminal, Consumer Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

230 West Jersey St, Elizabeth, NJ 07202

James J Byrnes

Electronic Commerce, Estate, Civil Rights, Commercial Bankruptcy

Status: In Good Standing Licensed: 51 Years

CONTACT

1495 Morris Avenue, Union, NJ 07083

Jeffrey Ephraim

Real Estate, Bankruptcy & Debt, Personal Injury, Accident & Injury

Status: In Good Standing Licensed: 14 Years

CONTACT

315 Rahway Ave, Elizabeth, NJ 07202

Jeremias E Batista

General Practice

Status: In Good Standing Licensed: 19 Years

CONTACT

1373 Broad St, Clifton, NJ 07013

Joann Sayer Haddad

Real Estate, Bankruptcy & Debt

Status: In Good Standing Licensed: 22 Years

CONTACT

1223 Broad St, Newark, NJ 07114

John Nicholas Giorgi

Lawsuit & Dispute, Employment, Bankruptcy & Debt, Accident & Injury

Status: In Good Standing Licensed: 36 Years

CONTACT

2092 Morris Ave, Union, NJ 07083

Juliana Diaz

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

Status: In Good Standing Licensed: 16 Years

CONTACT

700 Rahway Ave, Elizabeth, NJ 07202

Julio Sanchez

Accident & Injury, Bankruptcy & Debt, Immigration, Municipal, Workers' Compensation

Status: In Good Standing

CONTACT

425 Elmora Avenue, Elizabeth, NJ 07208

Ksenia Vladimirovna Proskurchenko

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

Status: Suspended Licensed: 16 Years

CONTACT

570 N Broad St, Elizabeth, NJ 07208

800-923-0641

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LEGAL TERMS

FCRA

See Fair Credit Reporting Act.

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

FCBA

See Fair Credit Billing Act.

BANKRUPTCY

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are ... (more...)

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are two types of bankruptcies -- liquidation, in which your debts are wiped out (discharged) and reorganization, in which you provide the court with a plan for how you intend to repay your debts. For both consumers and business, liquidation bankruptcy is called Chapter 7. For consumers, reorganization bankruptcy is called Chapter 13. Reorganization bankruptcy for consumers with an extraordinary amount of debt and for businesses is called Chapter 11. Reorganization bankruptcy for family farmers is called Chapter 12.

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.

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.

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.

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

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.

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Elizabethport Bankruptcy & Debt Lawyer, New Jersey, page 3

Sponsored Law Firm

Torres Legal

SPONSORED LAWYERS

Forrest Scott Turkish

Herman L Alarcon

James J Byrnes

Jeffrey Ephraim

Jeremias E Batista

Joann Sayer Haddad

John Nicholas Giorgi

Juliana Diaz

Julio Sanchez

Ksenia Vladimirovna Proskurchenko

TIPS

LEGAL TERMS

FCRA

COSIGNER

FCBA

BANKRUPTCY

DEBT COLLECTOR

REPOSSESSION

GARNISHMENT

GRACE PERIOD

BANKRUPTCY TRUSTEE

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