Larchmont Bankruptcy & Debt Lawyer, New York

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Jesus Cachaya
About | Practice Areas
Osorio Cachaya Law Offices, PLLC
203 E Post Rd 1st Floor White Plains, NY 10601» view map
Accident & Injury, Criminal, Family, Immigration
Experienced Legal Assistance!

Osorio Cachaya Law Offices, PLLC is a family-owned law office that has been offering a team approach to legal issues since 1999.Se Hablamos Espanol

800-318-9750
1. Jesus Cachaya White Plains, NY
  Attorney at Law- NY
  Capital University Law School, JD 2008
2. AboutOsorio Cachaya Law Offices, PLLC
  Experienced Legal Assistance!
3. Practice AreasExpertise
  Accident & Injury
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Nathan Criticos Pagett

Real Estate, Bankruptcy & Debt

Status: Licensed: 16 Years

CONTACT

2 Vanderburgh Avenue, Larchmont, NY 10538

David Michael Berkley

Landlord-Tenant, Divorce, Business, Bankruptcy & Debt

Status: Licensed: 40 Years

CONTACT

40 Forest Pk Ave, Larchmont, NY 10538

Donald S. Mazin

International, Divorce & Family Law, Bankruptcy & Debt

Status: Licensed: 64 Years

CONTACT

1415 Boston Post Rd, Larchmont, NY 10538

Henry Mark Kaufmann

Business, Bankruptcy & Debt

Status: Licensed: 68 Years

CONTACT

2 East Ave, Larchmont, NY 10538

Lauren Gottfried

Litigation, Lawsuit & Dispute, Bankruptcy, Bankruptcy & Debt

Status: Licensed: 36 Years

CONTACT

2005 Palmer Ave, Larchmont, NY 10538

Paul James Miklus

International, Divorce & Family Law, Bankruptcy & Debt

Status: Licensed: 54 Years

CONTACT

680 W Boston Post Rd, Mamaroneck, NY 10543

Debora P. Zelenetz

Bankruptcy

Status: Licensed: 41 Years

CONTACT

31 Mohegan Rd, Larchmont, NY 10538

Brie A. E. Steingarten

Business, Bankruptcy & Debt

Status: Licensed: 24 Years

CONTACT

44 Lyncroft Road, New Rochelle, NY 10804

Erin Kathleen Flynn

Commercial Real Estate, Landlord-Tenant, Foreclosure, Bankruptcy

Status:

CONTACT

145 Huguenot Street, New Rochelle, NY 10801

Erina R. Ponzini

Wills & Probate, Estate, Business, Bankruptcy

Status:

CONTACT

140 Huguenot Street, New Rochelle, NY 10801

800-923-0641

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LEGAL TERMS

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).

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

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.

HOUSEHOLDER

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a ho... (more...)

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a homestead exemption and possibly other exemptions relating to the maintenance of the household.

FCRA

See Fair Credit Reporting Act.

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.

NO-FAULT INSURANCE

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain ... (more...)

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain amount, regardless of who was at fault. The effect of no-fault insurance laws is to eliminate lawsuits in small accidents. The advantage is the prompt payment of medical bills and expenses. The downsides are that the amounts paid by no-fault policies are often not enough to fully cover a person's losses and that no-fault does not compensate for pain and suffering.

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

TRADE NAME

The official name of a business, the one it uses on its letterhead and bank account when not dealing with consumers.

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Larchmont Bankruptcy & Debt Lawyer, New York

Sponsored Law Firm

Osorio Cachaya Law Offices, PLLC

SPONSORED LAWYERS

Nathan Criticos Pagett

David Michael Berkley

Donald S. Mazin

Henry Mark Kaufmann

Lauren Gottfried

Paul James Miklus

Debora P. Zelenetz

Brie A. E. Steingarten

Erin Kathleen Flynn

Erina R. Ponzini

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LEGAL TERMS

CREDIT REPORT

MEETING OF CREDITORS

MEANS TEST

HOUSEHOLDER

FCRA

CHAPTER 13 BANKRUPTCY

NO-FAULT INSURANCE

SETOFF

TRADE NAME

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