Elmsford Bankruptcy & Debt Lawyer, New York, page 2

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Jesus Cachaya
About | Practice Areas
Osorio Cachaya Law Offices, PLLC
203 E Post Rd 1st Floor White Plains, NY 10601» view map
Accident & Injury, Criminal, Family, Immigration
Experienced Legal Assistance!

Osorio Cachaya Law Offices, PLLC is a family-owned law office that has been offering a team approach to legal issues since 1999.Se Hablamos Espanol

800-318-9750
1. Jesus Cachaya White Plains, NY
  Attorney at Law- NY
  Capital University Law School, JD 2008
2. AboutOsorio Cachaya Law Offices, PLLC
  Experienced Legal Assistance!
3. Practice AreasExpertise
  Accident & Injury
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Kenneth Michael Lewis

Litigation, Corporate, Reorganization, Commercial Bankruptcy, Bankruptcy & Debt

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220 White Plains Rd, Tarrytown, NY 10591

Mark Stephen Tulis

Real Estate, International, Bankruptcy & Debt

Status: Licensed: 49 Years

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220 White Plains Rd, Tarrytown, NY 10591

Thomas Moed Geiger

Wills & Probate, Family Law, Bankruptcy, Car Accident

Status: Licensed: 54 Years

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220 White Plains Rd, Tarrytown, NY 10591

Ronald L. Konove

Litigation, Private Schools, Commercial Bankruptcy, Prenuptial Agreements

Status: Licensed: 53 Years

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301 Old Tarrytown Rd, White Plains, NY 10603

John Vaughn Trop

Bankruptcy

Status: Licensed: 37 Years

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120 White Plains Rd, Tarrytown, NY 10591

Michelle G. Gershfeld

Real Estate, Foreclosure, Bankruptcy & Debt

Status: Licensed: 35 Years

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100 White Plains Road, Tarrytown, NY 10591

J Patrick Carley

Litigation, Employee Rights, Consumer Protection, Commercial Bankruptcy

Status: Licensed: 20 Years

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Seven Skyline Drive, Hawthorne, NY 10532

Angela Dee Williams

Employment, Religious Discrimination, Commercial Bankruptcy, Household Mold, Nursing Home

Status: Licensed: 16 Years

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7 Skyline Dr, Hawthorne, NY 10532

Joanne Stabile

Industry Specialties, Business, Bankruptcy & Debt

Status: Licensed: 28 Years

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399 Knollwood Rd, White Plains, NY 10603

Karen A. Ondrovic

Bankruptcy & Debt

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CONTACT

303 Old Tarrytown Rd, White Plains, NY 10603

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LEGAL TERMS

ABUSE

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because ... (more...)

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because the debtor appears to have enough disposable income to fund a Chapter 13 repayment plan.

DISCHARGEABLE DEBTS

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bill... (more...)

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bills and medical bills. Compare nondischargeable debts.

LIABILITY

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pi... (more...)

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pipe bursts the day after Paul installs it, ruining the bathroom floor. This raises the issue of liability: Who is responsible for the damage? Peri claims that Paul is responsible, and sues him for the cost of hiring another plumber to fix the pipe and replacing the floor. Paul, in turn, claims that the pipe manufacturer is responsible, because they supplied him with faulty materials. Both Peri and Paul must prove their claims in court; if Paul and/or the manufacturer is found liable, one or both will have to pay damages to Peri. (2) Something for which a person is liable. For example, a debt is often called a liability.

CHAPTER 13 PLAN

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to ... (more...)

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to pay all mandatory debts -- for example, back child support, taxes, and mortgage arrearages -- as well as some or all unsecured, nonpriority debts, such as medical and credit card bills.

FAIR CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

FCRA

See Fair Credit Reporting Act.

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.

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.

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.

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Elmsford Bankruptcy & Debt Lawyer, New York, page 2

Sponsored Law Firm

Osorio Cachaya Law Offices, PLLC

SPONSORED LAWYERS

Kenneth Michael Lewis

Mark Stephen Tulis

Thomas Moed Geiger

Ronald L. Konove

John Vaughn Trop

Michelle G. Gershfeld

J Patrick Carley

Angela Dee Williams

Joanne Stabile

Karen A. Ondrovic

TIPS

LEGAL TERMS

ABUSE

DISCHARGEABLE DEBTS

LIABILITY

CHAPTER 13 PLAN

FAIR CREDIT REPORTING ACT (FCRA)

FCRA

GUARANTEED RESERVATION

WORKOUT

FRAUDULENT TRANSFER

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