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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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Kelly M. Ciccone

Family Law, Collection, Bankruptcy

Status: Licensed: 26 Years

CONTACT

1081 Long Pond Rd, Rochester, NY 14626

Melissa Lynn Overbeck

Collection

Status: Licensed: 14 Years

CONTACT

1 Delaware Rd, Tonawanda, NY 14217

Mitchell M. Stenger

Collection, Industry Specialties, Patent, Other

Status: Licensed: 38 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

Rebecca Ann Bylewski

Accident & Injury, Collection, Patent, Products Liability

Status: Licensed: 25 Years

CONTACT

8555 Main St, Buffalo, NY 14221

Richard John Biryla

Real Estate, Lawsuit & Dispute, Estate, Collection

Status: Licensed: 47 Years

CONTACT

14 Lafayette Square, Buffalo, NY 14203

Roseanne J. Moran

Collection

Status: Licensed: 26 Years

CONTACT

4476 Main St, Buffalo, NY 14226

Scott Anthony Bylewski

Products Liability, Collection, DUI-DWI, Divorce

Status: Licensed: 27 Years

CONTACT

5861 Goodrich Rd, Clarence Center, NY 14032

Sherree Meadows

Collection

Status: Licensed: 35 Years

CONTACT

88 W Utica St, Buffalo, NY 14209

Theron Edwin Howard

Collection, Banking & Finance, Estate Planning, State Government, Foreclosure

Status: Licensed: 48 Years

CONTACT

15 Clay St, Le Roy, NY 14482

800-814-6700

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LEGAL TERMS

CREDIT INSURANCE

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay o... (more...)

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay off the remaining balance. Federal and state consumer protection laws require the lender to disclose to existing and potential borrowers the terms and costs of obtaining credit insurance because it can affect the terms of the loan.

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).

REPOSSESSION

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and ... (more...)

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and has not attempted to work with the lender to resolve the problem. A repossessor can't use force to get at your car, but he can legally hot-wire it and even drive it out of your unlocked garage.

BANKRUPTCY TRUSTEE

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is t... (more...)

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is to gather the debtor's nonexempt property, liquidate it and distribute it proportionally to her creditors. In a Chapter 13 case, the trustee's role is to receive the debtor's monthly payments and distribute them proportionally to her creditors.

FDCPA

See Fair Debt Collections & Practices Act.

FAIR LABOR STANDARDS ACT (FLSA)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements ... (more...)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements for overtime and places restrictions on child labor.

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

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.

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Java Center Collection Lawyer, New York, page 2

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

Kelly M. Ciccone

Melissa Lynn Overbeck

Mitchell M. Stenger

Morris Louis Horwitz

Rebecca Ann Bylewski

Richard John Biryla

Roseanne J. Moran

Scott Anthony Bylewski

Sherree Meadows

Theron Edwin Howard

TIPS

LEGAL TERMS

CREDIT INSURANCE

CREDIT REPORT

REPOSSESSION

BANKRUPTCY TRUSTEE

FDCPA

FAIR LABOR STANDARDS ACT (FLSA)

TRUTH IN LENDING ACT (TILA)

IRS EXPENSES

ADMINISTRATIVE EXPENSES

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