Elma Collection Lawyer, New York

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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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Patrick Noe

Business Organization, Family Law, Eminent Domain, Collection

Status: In Good Standing

FREE CONSULTATION

CONTACT

1301 North Forest Road, Buffalo, NY 14221

David T Stephenson

Intellectual Property, Industry Specialties, Collection, Products Liability

Status: In Good Standing Licensed: 20 Years

CONTACT

1150 Maple Rd, Elma, NY 14059

Joseph John Terranova

Consumer Protection, Civil Rights, Collection, Household Mold

Status: In Good Standing Licensed: 45 Years

CONTACT

2901 Bowen Rd, Elma, NY 14059

James Michael Joyce

General Practice

Status: In Good Standing Licensed: 38 Years

CONTACT

4733 Transit Rd, Depew, NY 14043

Brian R. Goodwin

Commercial Banks, Commercial Real Estate, Credit & Debt, Motor Vehicle, Collection

Status: In Good Standing Licensed: 21 Years

CONTACT

97 Virginia Road, Buffalo, NY 14225

Vincent Gregory Lo Tempio

Intellectual Property, DUI-DWI, Collection, Products Liability

Status: In Good Standing

CONTACT

8433 William Smith Way, Buffalo, NY 14221

Harold P. Bulan

Collection

Status: In Good Standing Licensed: 60 Years

CONTACT

93 Hidden Ridge Commons, Buffalo, NY 14221

Gerald Chiari

Collection

Status: In Good Standing Licensed: 53 Years

CONTACT

1440 Rand Building, Buffalo, NY 14203

Richard John Biryla

Real Estate, Lawsuit & Dispute, Estate, Collection

Status: In Good Standing Licensed: 46 Years

CONTACT

14 Lafayette Square, Buffalo, NY 14203

Daria Lynnette Pratcher

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

Status: In Good Standing Licensed: 21 Years

CONTACT

37 Franklin St, Buffalo, NY 14202

800-923-0641

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LEGAL TERMS

CREDIT COUNSELING

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Unde... (more...)

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Under the new bankruptcy law, a debtor must undergo credit counseling with an approved provider before filing for bankruptcy.

CHAPTER 13 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.

CHAPTER 7 BANKRUPTCY

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 b... (more...)

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 bankruptcy takes from three to six months, costs about $200, and commonly requires only one trip to the courthouse.

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

FCBA

See Fair Credit Billing Act.

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

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.

LIMITED PARTNERSHIP

A business structure that allows one or more partners (called limited partners) to enjoy limited personal liability for partnership debts while another partner ... (more...)

A business structure that allows one or more partners (called limited partners) to enjoy limited personal liability for partnership debts while another partner or partners (called general partners) have unlimited personal liability. The key difference between a general and limited partner concerns management decision making--general partners run the business, and limited partners, who are usually passive investors, are not allowed to make day-to-day business decisions. If they do, they risk being treated as general partners with unlimited personal liability.

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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Elma Collection Lawyer, New York

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

Patrick Noe

David T Stephenson

Joseph John Terranova

James Michael Joyce

Brian R. Goodwin

Vincent Gregory Lo Tempio

Harold P. Bulan

Gerald Chiari

Richard John Biryla

Daria Lynnette Pratcher

TIPS

LEGAL TERMS

CREDIT COUNSELING

CHAPTER 13 BANKRUPTCY

CHAPTER 7 BANKRUPTCY

CURRENT MONTHLY INCOME

FCBA

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

UNDUE HARDSHIP

LIMITED PARTNERSHIP

BANKRUPTCY TRUSTEE

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