Jefferson Valley Bankruptcy & Debt Lawyer, New York, page 2

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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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Victoria Reilly Lehning

Bankruptcy

Status: Licensed: 25 Years

CONTACT

1210 Frost Ln, Peekskill, NY 10566

George J. Calcagnini

International, Divorce & Family Law, Bankruptcy & Debt

Status: Licensed: 46 Years

CONTACT

376 Route 202, Somers, NY 10589

Denis J. Timone

International, Divorce & Family Law, Bankruptcy & Debt

Status: Licensed: 57 Years

CONTACT

384 Route 202, Somers, NY 10589

Tanya Patrice Dwyer

Commercial Real Estate, Litigation, Bankruptcy

Status:

CONTACT

1 Park Pl, Peekskill, NY 10566

Sarah Ann Filcher

Real Estate, Bankruptcy & Debt

Status: Licensed: 13 Years

CONTACT

1 Park Pl, Peekskill, NY 10566

Alesia Ranney-marinelli

Real Estate, Bankruptcy & Debt

Status: Licensed: 47 Years

CONTACT

99 Mount Holly Road, Katonah, NY 10536

Alan F. Steiner

International, Divorce & Family Law, Criminal, Bankruptcy & Debt

Status: Licensed: 52 Years

CONTACT

1036 Old Albany Post Rd, Garrison, NY 10524

Stamatia Kampitsis Dewbury

International, Divorce, Divorce & Family Law, Bankruptcy & Debt

Status: Licensed: 28 Years

CONTACT

53 Gleneida Avenue, Carmel, NY 10512

Nancy Corrigan

Consumer Protection, Litigation, Business Organization, Credit & Debt

Status:

FREE CONSULTATION

CONTACT

71 Richardsville Road, Carmel, NY 10512

Marianne T. O'Toole

Lawsuit & Dispute, Divorce, DUI-DWI, Bankruptcy

Status: Licensed: 35 Years

CONTACT

2 Depot Plaza, Bedford Hills, NY 10507

800-923-0641

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800-943-8690

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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.

GUARANTEED RESERVATION

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehic... (more...)

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehicle for you no matter when you show up. If you have a guaranteed reservation with a hotel, it must provide you with a room, either at that hotel or at another comparable establishment. If you have a guaranteed reservation with a car agency, it must provide you with a vehicle. The downside of a guaranteed reservation is that if you don't show up and haven't cancelled your reservation, you will be billed for one night in the room or one day's use of the vehicle.

AUTOMATIC STAY

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities,... (more...)

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities, such as filing or continuing lawsuits, making written requests for payment, or notifying credit reporting bureaus of an unpaid debt.

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.

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.

FAIR CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

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.

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.

CHAPTER 7 BANKRUPTCY

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 b... (more...)

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 bankruptcy takes from three to six months, costs about $200, and commonly requires only one trip to the courthouse.

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Jefferson Valley Bankruptcy & Debt Lawyer, New York, page 2

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

Victoria Reilly Lehning

George J. Calcagnini

Denis J. Timone

Tanya Patrice Dwyer

Sarah Ann Filcher

Alesia Ranney-marinelli

Alan F. Steiner

Stamatia Kampitsis Dewbury

Nancy Corrigan

Marianne T. O'Toole

TIPS

LEGAL TERMS

CREDIT INSURANCE

GUARANTEED RESERVATION

AUTOMATIC STAY

DEFINED CONTRIBUTION PLAN

FAIR CREDIT BILLING ACT (FCBA)

FAIR CREDIT REPORTING ACT (FCRA)

SECRET WARRANTY PROGRAM

ADMINISTRATIVE EXPENSES

CHAPTER 7 BANKRUPTCY

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