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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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Derek Akiwumi

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Accident & Injury, Criminal, Divorce & Family Law, Estate, Bankruptcy & Debt

Derek Akiwumi, representing clients throughout WNY, has a proven reputation for getting the results you need. From criminal defense, appeals, and pers... (more)

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800-711-9031

300 International Dr, Buffalo, NY 14221

Patrick Noe

Business Organization, Family Law, Eminent Domain, Collection

Status: In Good Standing

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1301 North Forest Road, Buffalo, NY 14221

Michaelangelo John Cieri

Criminal, Bankruptcy, Medical Malpractice, Slip & Fall Accident, Car Accident

Status: In Good Standing Licensed: 14 Years

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12364 Main Rd, Akron, NY 14001

Thomas A. Steffan

Real Estate, Health Care, Estate, Bankruptcy & Debt

Status: In Good Standing Licensed: 39 Years

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13132 Main St, Alden, NY 14004

John Kirby Colling

Traffic, Divorce & Family Law, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 40 Years

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Arcade, NY 14009

James Matthew Wujcik

Real Estate, Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 19 Years

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11 Exchange St, Attica, NY 14011

Marcea Clark Tetamore

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

Status: In Good Standing Licensed: 33 Years

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Avon, NY 14414

Frederick Matthew Rarick

Criminal, Bankruptcy

Status: In Good Standing Licensed: 41 Years

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39 Ellicott St, Batavia, NY 14020

David Leigh Metzler

Traffic, Industry Specialties, Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 53 Years

CONTACT

104 Bank St, Batavia, NY 14020

Thomas Francis Turturo

Estate, Criminal, Bankruptcy & Debt

Status: In Good Standing Licensed: 15 Years

CONTACT

5130 E Main Street Rd, Batavia, NY 14020

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.

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.

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.

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

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.

FDCPA

See Fair Debt Collections & Practices Act.

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

REAFFIRMATION

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing deb... (more...)

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing debt after the bankruptcy case is over. For instance, a debtor might make a reaffirmation agreement with the holder of a car note that the debtor can keep the car and must continue to pay the debt after bankruptcy.

CREDIT BUREAU

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit... (more...)

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit card companies that use the information to screen applicants for loans and credit cards. There are three major credit bureaus, Equifax, Experian and Trans Union, and they are regulated by the federal Fair Credit Reporting Act.

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Hume Bankruptcy & Debt Lawyer, New York

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

Derek Akiwumi

Patrick Noe

Michaelangelo John Cieri

Thomas A. Steffan

John Kirby Colling

James Matthew Wujcik

Marcea Clark Tetamore

Frederick Matthew Rarick

David Leigh Metzler

Thomas Francis Turturo

TIPS

LEGAL TERMS

PREFERENCE

DEBT COLLECTOR

CHAPTER 13 BANKRUPTCY

MEETING OF CREDITORS

CURRENT MONTHLY INCOME

FDCPA

COLLECTION AGENCY

REAFFIRMATION

CREDIT BUREAU

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