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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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Vincent G. Lo Tempio

Intellectual Property, DUI-DWI, Collection, Products Liability

Status: Licensed: 39 Years

CONTACT

8555 Main St, Buffalo, NY 14221

William Edward Nowakowski

Lawsuit & Dispute, Collection, Bankruptcy & Debt, Products Liability

Status: Licensed: 41 Years

CONTACT

69 Delaware Ave, Buffalo, NY 14202

Joseph J. Marusak

Patent, DUI-DWI, Collection, Products Liability

Status: Licensed: 44 Years

CONTACT

69 Delaware Ave, Buffalo, NY 14202

Morris Louis Horwitz

Bankruptcy, Commercial Real Estate, Collection

Status: Licensed: 51 Years

CONTACT

243 Old Lyme Dr, Buffalo, NY 14221

Harold P. Bulan

Collection

Status: Licensed: 61 Years

CONTACT

93 Hidden Ridge Commons, Buffalo, NY 14221

Vincent Gregory Lo Tempio

Intellectual Property, DUI-DWI, Collection, Products Liability

Status:

CONTACT

8433 William Smith Way, Buffalo, NY 14221

Scott Anthony Bylewski

Products Liability, Collection, DUI-DWI, Divorce

Status: Licensed: 27 Years

CONTACT

5861 Goodrich Rd, Clarence Center, NY 14032

James Michael Joyce

Collection

Status: Licensed: 39 Years

CONTACT

4733 Transit Rd, Depew, NY 14043

Joseph John Terranova

Household Mold, Collection, Civil Rights, Consumer Protection

Status: Licensed: 46 Years

CONTACT

2901 Bowen Rd, Elma, NY 14059

David T Stephenson

Intellectual Property, Industry Specialties, Collection, Products Liability

Status: Licensed: 21 Years

CONTACT

1150 Maple Rd, Elma, NY 14059

800-814-6700

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LEGAL TERMS

PRIORITY DEBT

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13... (more...)

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13 bankruptcy. Priority debts include alimony and child support, fees owed to the trustee and the attorney in the bankruptcy case, and wages owed to employees.

CHAPTER 13 PLAN

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to ... (more...)

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to pay all mandatory debts -- for example, back child support, taxes, and mortgage arrearages -- as well as some or all unsecured, nonpriority debts, such as medical and credit card bills.

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.

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.

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.

FRAUDULENT TRANSFER

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee --... (more...)

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee -- for instance, when a debtor signs a car over to a relative to keep it out of the bankruptcy estate. Fraudulently transferred property can be recovered and sold by the trustee for the benefit of the creditors.

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.

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily fu... (more...)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily funded by voluntary donations from the creditors that receive payments from debtors repaying their debts through that office. Despite this criticism, most CCCS counselors provide clients with thorough and neutral advice.

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.

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Java Center Collection Lawyer, New York, page 2

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

Vincent G. Lo Tempio

William Edward Nowakowski

Joseph J. Marusak

Morris Louis Horwitz

Harold P. Bulan

Vincent Gregory Lo Tempio

Scott Anthony Bylewski

James Michael Joyce

Joseph John Terranova

David T Stephenson

TIPS

LEGAL TERMS

PRIORITY DEBT

CHAPTER 13 PLAN

LIABILITY

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

MEANS TEST

FRAUDULENT TRANSFER

CREDIT COUNSELING

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

SECRET WARRANTY PROGRAM

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