Chadwicks Bankruptcy & Debt Lawyer, New York

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G Kevin Ludlow

Real Estate, Estate, Bankruptcy & Debt
Status:  In Good Standing           Licensed:  35 Years

Justin Michael Nackley

Wills & Probate, Wrongful Termination, Workers' Compensation, Collection
Status:  In Good Standing           

Peter W. Hobaica

Estate Planning, Criminal, Bankruptcy, Personal Injury, Medical Malpractice
Status:  In Good Standing           Licensed:  40 Years

David Gurion Goldbas

Real Estate, Divorce & Family Law, Business, Bankruptcy & Debt
Status:  In Good Standing           Licensed:  39 Years

Cindy Marie Domingue-Hendrickson

Credit & Debt, Landlord-Tenant, Social Security, Elder Law
Status:  In Good Standing           

Sarah Farrell Demellier

Real Estate, Business, Bankruptcy & Debt
Status:  In Good Standing           Licensed:  13 Years

Erin P. Champion

Estate, Bankruptcy & Debt
Status:  In Good Standing           Licensed:  24 Years

Richard Edward Kaplan

Other, Lawsuit & Dispute, Divorce & Family Law, Bankruptcy & Debt
Status:  In Good Standing           Licensed:  46 Years

Bartle J. Gorman

Industry Specialties, Civil & Human Rights, Business, Bankruptcy & Debt
Status:  In Good Standing           Licensed:  58 Years

Peter Michael Hobaica

Estate, Criminal, Bankruptcy, Accident & Injury, Personal Injury
Status:  In Good Standing           Licensed:  40 Years

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Free Help: Use This Form or Call 800-943-8690

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Call me for fastest results!
800-943-8690

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LEGAL TERMS

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)
The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

FDCPA

See Fair Debt Collections & Practices Act.

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)
A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

GENERAL PARTNER

A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the... (more...)
A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the business's debts and obligations. A general partner's actions can legally bind the entire business. See also partnership, limited partnership.

TOXIC TORT

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and su... (more...)
A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and suffering.

CREDITOR

A person or entity (such as a bank) to whom a debt is owed.

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.

LOSS DAMAGE WAIVER (LDW)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it ofte... (more...)
Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it often duplicates coverage provided by the renter's regular car insurance and/or the credit card she uses to rent the car. Nevertheless, hard-sell practices by rental car agents often dupe people into buying LDWs they don't really need. LDW is also called 'collision damage waiver.'

401(K) PLAN

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income ... (more...)
A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income taxes on the amount invested and any earnings are due until the employee withdraws money from the fund.

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