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Gregory Messer
About | Practice Areas
Law Offices of Gregory Messer
26 Court Street Suite 2400 Brooklyn, NY 11242» view map
Bankruptcy & Debt
It's Time For A Fresh Start

Experienced bankruptcy attorney Gregory Messer will work with you personally to set your mind at ease and relieve the strain you’re facing from personal or business debt.

800-887-8940
1. Gregory Messer Brooklyn, NY
  Attorney at Law - NY, 1978
  Albany Law School J.D. 1977
2. AboutLaw Offices of Gregory Messer
  Providing debt relief for individual and business clients in the New York City area for more than three decades.
3. Practice AreasExpertise
  Bankruptcy & Debt
1. Contact
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John Douglas Beck

Bankruptcy, Business & Trade, Credit & Debt, Litigation

Status: In Good Standing Licensed: 14 Years

CONTACT

30 Rockefeller Plz, New York, NY 10112

Robert Henry Scheibe

Freedom of Information, Corporate, Credit & Debt, Bankruptcy

Status: In Good Standing Licensed: 54 Years

CONTACT

601 Lexington Ave, New York, NY 10022

Alex Kendall Ross

Construction, Trusts, Insurance, Credit & Debt

Status: In Good Standing Licensed: 23 Years

CONTACT

845 3Rd Ave, New York, NY 10022

Richard Michael Kosnik

Venture Capital, International Other, Equine, Credit & Debt

Status: In Good Standing Licensed: 42 Years

CONTACT

222 East 41St Street, New York, NY 10017

Aradhana Sonali Carlson

Tax, Credit & Debt

Status: In Good Standing Licensed: 22 Years

CONTACT

599 Lexington Ave, New York, NY 10022

David Jacob Stern

Estate, Landlord-Tenant, Employment, Labor Law, Credit & Debt

Status: In Good Standing Licensed: 16 Years

CONTACT

580 Amsterdam Ave, New York, NY 10024

Stephen Howard Finkelstein

Trusts, Civil Rights, Corporate, Credit & Debt

Status: In Good Standing Licensed: 58 Years

CONTACT

369 Lexington Ave, New York, NY 10017

Alex Spizz

Reorganization, Bankruptcy, Credit & Debt, Bankruptcy Litigation

Status: In Good Standing Licensed: 51 Years

CONTACT

425 Park Avenue, New York, NY 10022

Susan F. Balaschak

Business & Trade, Credit & Debt, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 39 Years

CONTACT

666 5th Ave, New York, NY 10103

Giorgio Bovenzi

Other, Banking & Finance, Credit & Debt, Bankruptcy & Debt

Status: In Good Standing Licensed: 29 Years

CONTACT

30 Rockefeller Plz, New York, NY 10112

800-923-0641

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LEGAL TERMS

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.

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.

FDCPA

See Fair Debt Collections & Practices Act.

LIQUIDATING PARTNER

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

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

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.

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 COUNSELING

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Unde... (more...)

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Under the new bankruptcy law, a debtor must undergo credit counseling with an approved provider before filing for bankruptcy.

ACCORD AND SATISFACTION

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collectin... (more...)

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collecting as much money as they can from debtors who cannot pay the full amount.

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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Jamaica Credit & Debt Lawyer, New York, page 3

Sponsored Law Firm

Law Offices of Gregory Messer

SPONSORED LAWYERS

John Douglas Beck

Robert Henry Scheibe

Alex Kendall Ross

Richard Michael Kosnik

Aradhana Sonali Carlson

David Jacob Stern

Stephen Howard Finkelstein

Alex Spizz

Susan F. Balaschak

Giorgio Bovenzi

TIPS

LEGAL TERMS

FAIR CREDIT BILLING ACT (FCBA)

LIABILITY

FDCPA

LIQUIDATING PARTNER

CREDIT REPORT

CHAPTER 13 BANKRUPTCY

REAFFIRMATION

CREDIT COUNSELING

ACCORD AND SATISFACTION

SAMPLE LEGAL CASES

COLLINS FIN. v. Vigilante

Grasso v. Grasso

PRA III LLC v. Gonzalez

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