Fulton County, NY Credit & Debt Lawyers

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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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Not enough matches for Fulton Credit & Debt lawyer.
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William Cibulas

General Practice

Status: In Good Standing

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8 Fremont Street, Gloversville, NY 12078

Jeremiah Wood

Farms, Estate Administration, Divorce, Child Support

Status: In Good Standing

CONTACT

8 Fremont Street, Gloversville, NY 12078

John D Wood

General Practice

Status: In Good Standing

CONTACT

6-8 Fremont St, Gloversville, NY 12078

Edward S Wood

General Practice

Status: In Good Standing

CONTACT

6-8 Fremont St, Gloversville, NY 12078

R B Haviland

General Practice

Status: In Good Standing

CONTACT

6-8 Fremont St, Gloversville, NY 12078

Deborah Lynn Ashe

General Practice

Status: Suspended Licensed: 31 Years

CONTACT

20 West Main Street, Broadalbin, NY 12025

Alan Wayne Mendelsohn

General Practice

Status: In Good Standing Licensed: 40 Years

CONTACT

437 Lakeview Rd, Broadalbin, NY 12025

Russell Paul Martin

General Practice

Status: In Good Standing Licensed: 42 Years

CONTACT

27 N Main St, Broadalbin, NY 12025

Kelly Dawn Hoyt

Divorce & Family Law, Residential Real Estate, Wills & Probate, Power of Attorney, Motor Vehicle

Status: In Good Standing Licensed: 28 Years

FREE CONSULTATION

CONTACT

215 County Highway 155, Broadalbin, NY 12025

Frederick R. Stortecky

General Practice

Status: In Good Standing Licensed: 53 Years

CONTACT

Caroga Lake, NY 12032

800-923-0641

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LEGAL TERMS

PREFERENCE

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commer... (more...)

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commercial creditors) and within one year for insider creditors (friends, family members, and business associates). Because a preference gives the creditor who received the payment an edge over other creditors in the bankruptcy case, the trustee can recover the preference (the amount of the payment) and distribute it among all of the creditors.

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.

SECURED DEBT

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collater... (more...)

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collateral, to satisfy the debt if you default. Compare unsecured debt.

FCRA

See Fair Credit Reporting Act.

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

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.

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

401(K) PLAN

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income ... (more...)

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income taxes on the amount invested and any earnings are due until the employee withdraws money from the fund.

SAMPLE LEGAL CASES

COLLINS FIN. v. Vigilante

... Such a system is not tolerable in regard to credit card and other consumer credit debt cases where items such as the interest rate, late payment charge, and over-the-limit fees may change several times over the course of the consumer credit agreement. ...

Grasso v. Grasso

... 765 The husband also correctly contends that the Supreme Court improvidently exercised its discretion by, in effect, holding him responsible for 100% of the credit card obligations that constitute the parties' marital debt as well as all the marital debt that was solely in the wife's ...

PRA III LLC v. Gonzalez

... agreement to extend credit to the defendant, the issuance of credit cards at the defendant's address, his use of credit cards, his ... Moreover, the plaintiff submitted no evidence demonstrating the defendant's intention to pay the alleged debt (see General Obligations Law Â§ 17-101 ...

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Fulton County, NY Credit & Debt Lawyers

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

William Cibulas

Jeremiah Wood

John D Wood

Edward S Wood

R B Haviland

Deborah Lynn Ashe

Alan Wayne Mendelsohn

Russell Paul Martin

Kelly Dawn Hoyt

Frederick R. Stortecky

TIPS

LEGAL TERMS

PREFERENCE

BANKRUPTCY

SECURED DEBT

FCRA

FAIR CREDIT BILLING ACT (FCBA)

CURRENT MONTHLY INCOME

DISPOSABLE INCOME

MEANS TEST

401(K) PLAN

SAMPLE LEGAL CASES

COLLINS FIN. v. Vigilante

Grasso v. Grasso

PRA III LLC v. Gonzalez

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PRACTICE AREAS 70