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Jose Torres
About | Practice Areas
Torres Legal
129 Prospect St Passaic, NJ 07055» view map
Criminal Defense & Divorce and Family Law
Competent Legal Representation

Founded in 2005, Torres Legal is a Law Firm based in Passaic, NJ whose goal is to provide individuals in need with competent legal representation.

800-761-6810
1. Jose Torres Passaic, NJ
  Attorney at Law, NJ
  Florida Coastal School of Law, LL.M. 2003
2. AboutTorres Legal
  Competent Legal Representation
3. Practice AreasExpertise
  Criminal Defense & Divorce and Family Law
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Wayne A. Watkinson

Foreclosure, Business Organization, Administrative Law, Consumer Bankruptcy

Status: In Good Standing

CONTACT

1460 Route 9 North, Woodbridge, NJ 07095

Louis John Seminski

Litigation, Government, Banking & Finance, Bankruptcy

Status: In Good Standing

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90 Woodbridge Ctr Dr, Woodbridge, NJ 07095

Richard A Luthmann

Credit & Debt, Election & Political, Estate Planning, International Other

Status: In Good Standing

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30 Wood Avenue South, Iselin, NJ 08830

Allen B. Gillman

Credit & Debt, Collection, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 44 Years

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770 Amboy Ave, Edison, NJ 08837

Mark Silber

Bankruptcy & Debt, Defect and Lemon Law, Products Liability, Consumer Rights, Lawsuit & Dispute

Status: In Good Standing

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10 Station Place, Metuchen, NJ 08840

W. Raymond Felton

Securities, Corporate, Banking & Finance, Reorganization

Status: In Good Standing

CONTACT

99 Wood Avenue South, Woodbridge, NJ 07095

David Stein

Litigation, Banking & Finance, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

90 Woodbridge Center Dr, Woodbridge, NJ 07095

Ariel Alvarez

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

Status: In Good Standing

CONTACT

500 N Wood Ave., Linden, NJ 07036

Robert Underhill

Bankruptcy, Employment, Criminal, Banking & Finance

Status: In Good Standing

CONTACT

Iselin, NJ 08830

David Bruck

Bankruptcy, Employment, Criminal

Status: In Good Standing

CONTACT

Iselin, NJ 08830

800-923-0641

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LEGAL TERMS

DEFINED CONTRIBUTION PLAN

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount ... (more...)

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount every month, or every year, for each employee. The employer usually pays a fixed percentage of an employee's wages or salary, although sometimes the amount is a fraction of the company's profits, with the size of each employee's pension share depending on the amount of wage or salary. Upon retirement, each employee's pension is determined by how much was contributed to the fund on behalf of that employee over the years, plus whatever earnings that money has accumulated as part of the investments of the entire pension fund.

TOXIC TORT

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and su... (more...)

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and suffering.

BULK SALES LAW

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to ... (more...)

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to conduct a bulk sale of business assets -- that is, get rid of an unusually large amount of inventory, merchandise or equipment -- the business owner must typically publish a notice of the sale and give written notice to creditors. Then, the owner must set up an account to hold the funds from the sale for a brief period of time during which creditors may make claims against the money. The prohibition against bulk sales is spelled out in the Uniform Commercial Code -- and laws modeled on the UCC have been generally adopted throughout the country.

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.

FORBEARANCE

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily ... (more...)

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily postponing or reducing the borrower's payments.

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemp... (more...)

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemptible because it has been damaged or destroyed.

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.

UNSECURED DEBT

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only reme... (more...)

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only remedy is to sue you and get a judgment. Compare secured debt.

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.

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Iselin Bankruptcy & Debt Lawyer, New Jersey

Sponsored Law Firm

Torres Legal

SPONSORED LAWYERS

Wayne A. Watkinson

Louis John Seminski

Richard A Luthmann

Allen B. Gillman

Mark Silber

W. Raymond Felton

David Stein

Ariel Alvarez

Robert Underhill

David Bruck

TIPS

LEGAL TERMS

DEFINED CONTRIBUTION PLAN

TOXIC TORT

BULK SALES LAW

SECURED DEBT

FORBEARANCE

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

UNSECURED DEBT

UNDUE HARDSHIP

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