Goldens Bridge Credit & Debt Lawyer, New York

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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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Leonard Frank Quartaro

Bankruptcy & Debt, Criminal, Credit & Debt

Status: Licensed: 30 Years

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35B Heritage Hls, Somers, NY 10589

Jonathan Matthew Victor

Contract, Credit & Debt, Construction, Constitutional Law, Education

Status: Licensed: 16 Years

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963 Route 6, Mahopac, NY 10541

Cornelius Patrick Mccarthy

Intellectual Property, Divorce & Family Law, Business, Credit & Debt, Bankruptcy & Debt

Status: Licensed: 41 Years

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612 N Lake Blvd, Mahopac, NY 10541

Francis J. O'Reilly

Bankruptcy & Debt, Credit & Debt

Status: Licensed: 36 Years

FREE CONSULTATION

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1961 Route 6, Carmel, NY 10512

Nancy Corrigan

Consumer Protection, Litigation, Business Organization, Credit & Debt

Status:

FREE CONSULTATION

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71 Richardsville Road, Carmel, NY 10512

Jason Lloyd Stern

General Practice

Status: Licensed: 30 Years

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420 S Riverside Ave, Croton On Hudson, NY 10520

Debra Palazzo

Landlord-Tenant, Trusts, DUI-DWI, Credit & Debt

Status: Licensed: 23 Years

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317 Elwood Ave, Hawthorne, NY 10532

Guy Richard Fairstein

Landlord-Tenant, State and Local, Wills & Probate, Credit & Debt

Status: Licensed: 55 Years

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15 Stewart Pl, White Plains, NY 10603

Alexander Maclean Jeffrey

Credit & Debt

Status: Licensed: 27 Years

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399 Knollwood Rd, White Plains, NY 10603

Emily Pietromonaco Kahn

International, Estate, Divorce & Family Law, Credit & Debt

Status:

CONTACT

1133 Westchester Ave, West Harrison, NY 10604

800-923-0641

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LEGAL TERMS

ADMINISTRATIVE EXPENSES

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Admi... (more...)

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Administrative costs are typically 10% of the debtor's total payments under the plan.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

NUISANCE FEES

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fe... (more...)

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fees, inactivity fees and fees for not carrying a balance from month to month. It's best to shop around and get rid of cards that have these fees attached.

CCCS

See Consumer Credit Counseling Service.

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.

SECRET WARRANTY PROGRAM

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid... (more...)

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid a recall and the accompanying bad press. Secret warranties are rarely advertised by the manufacturer, so consumers must pursue the manufacturer to discover and take advantage of them. A few states require manufacturers to notify car buyers when they adopt secret warranty programs.

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).

LIQUIDATING PARTNER

The member of an insolvent or dissolving partnership responsible for paying the debts and settling the accounts of the partnership.

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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Goldens Bridge Credit & Debt Lawyer, New York

Sponsored Law Firm

Osorio Cachaya Law Offices, PLLC

SPONSORED LAWYERS

Leonard Frank Quartaro

Jonathan Matthew Victor

Cornelius Patrick Mccarthy

Francis J. O'Reilly

Nancy Corrigan

Jason Lloyd Stern

Debra Palazzo

Guy Richard Fairstein

Alexander Maclean Jeffrey

Emily Pietromonaco Kahn

TIPS

LEGAL TERMS

ADMINISTRATIVE EXPENSES

INTEREST

SETOFF

NUISANCE FEES

CCCS

CHAPTER 13 BANKRUPTCY

SECRET WARRANTY PROGRAM

LIEN

LIQUIDATING PARTNER

SAMPLE LEGAL CASES

COLLINS FIN. v. Vigilante

Grasso v. Grasso

PRA III LLC v. Gonzalez

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