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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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Diane Marie Martin-Grande

Deportation, Divorce, Divorce & Family Law, Collection

Status: In Good Standing

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1200 Floyd Ave, Rome, NY 13440

Rocco L. Versace

Traffic, Bankruptcy

Status: In Good Standing Licensed: 56 Years

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113 Rose Ln, Rome, NY 13440

Meade Hubbard Versace

Bankruptcy & Debt

Status: In Good Standing Licensed: 25 Years

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Thomas Paul Hughes

Other, Immigration, Bankruptcy & Debt

Status: In Good Standing Licensed: 47 Years

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8341 State Route 28, Barneveld, NY 13304

Joseph Pennisi Giruzzi

International Tax, Estate, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 33 Years

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122 Business Park Dr, Utica, NY 13502

William F. Wilcox

Real Estate, Estate, Bankruptcy & Debt

Status: In Good Standing Licensed: 74 Years

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112 Farrier Ave, Oneida, NY 13421

Lisa Procter Denman

Consumer Bankruptcy, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

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4 Riverside Dr, Utica, NY 13502

Merima Smajic

Bankruptcy

Status: In Good Standing Licensed: 11 Years

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1 Kennedy Plaza, Utica, NY 13502

Grant E. Johnson

Immigration, Estate Planning, Divorce, Bankruptcy

Status: In Good Standing Licensed: 66 Years

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405 Court St, Utica, NY 13502

Michael N. Kalil

Family Law, Business Organization, Banking & Finance, Collection, Child Custody

Status: In Good Standing Licensed: 38 Years

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1602 Sunset Ave, Utica, NY 13502

800-923-0641

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LEGAL TERMS

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

PREFERENCE

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commer... (more...)

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commercial creditors) and within one year for insider creditors (friends, family members, and business associates). Because a preference gives the creditor who received the payment an edge over other creditors in the bankruptcy case, the trustee can recover the preference (the amount of the payment) and distribute it among all of the creditors.

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 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).

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.

FCBA

See Fair Credit Billing Act.

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.

SUBROGATION

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off i... (more...)

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off its injured claimant takes the legal rights the claimant has against a third party that caused the injury, and sues that third party.

NONEXEMPT PROPERTY

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typicall... (more...)

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typically includes valuable clothing (furs) and electronic equipment, an expensive car that's been paid off and most of the equity in your house. Compare exempt property.

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Ava Bankruptcy & Debt Lawyer, New York

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

Diane Marie Martin-Grande

Rocco L. Versace

Meade Hubbard Versace

Thomas Paul Hughes

Joseph Pennisi Giruzzi

William F. Wilcox

Lisa Procter Denman

Merima Smajic

Grant E. Johnson

Michael N. Kalil

TIPS

LEGAL TERMS

DISPOSABLE INCOME

PREFERENCE

REAFFIRMATION

CREDIT REPORT

IRS EXPENSES

FCBA

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

SUBROGATION

NONEXEMPT PROPERTY

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