Granite Springs 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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William F. Macreery

Litigation, Bankruptcy, Bankruptcy & Debt

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7 Granite Springs Rd, Granite Springs, NY 10527

Gary Mark Rikoon

Industry Specialties, Business, Bankruptcy & Debt

Status: Licensed: 47 Years

CONTACT

79 Granite Springs Rd, Yorktown Heights, NY 10598

Jonathan Matthew Victor

Contract, Credit & Debt, Construction, Constitutional Law, Education

Status: Licensed: 16 Years

CONTACT

963 Route 6, Mahopac, NY 10541

Lester Forest

Consumer Bankruptcy, Estate, Civil Rights, Bankruptcy & Debt

Status: Licensed: 43 Years

CONTACT

299 Route 6N, Mahopac, NY 10541

Anthony John Tripodi

Commercial Real Estate, Real Estate, Government, Bankruptcy & Debt

Status: Licensed: 49 Years

CONTACT

40 Triangle Ctr, Yorktown Heights, NY 10598

Michael Mel Attanasio

Real Estate, Civil & Human Rights, Business, Bankruptcy

Status: Licensed: 41 Years

CONTACT

3497 Kamhi Dr, Yorktown Heights, NY 10598

John R. Kibbe

Industry Specialties, Business, Bankruptcy & Debt

Status:

CONTACT

1961 Commerce St, Yorktown Heights, NY 10598

Cornelius Patrick Mccarthy

Intellectual Property, Divorce & Family Law, Business, Credit & Debt, Bankruptcy & Debt

Status: Licensed: 41 Years

CONTACT

612 N Lake Blvd, Mahopac, NY 10541

Leonard Frank Quartaro

Bankruptcy & Debt, Criminal, Credit & Debt

Status: Licensed: 30 Years

CONTACT

35B Heritage Hls, Somers, NY 10589

George J. Calcagnini

International, Divorce & Family Law, Bankruptcy & Debt

Status: Licensed: 46 Years

CONTACT

376 Route 202, Somers, NY 10589

800-923-0641

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LEGAL TERMS

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

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.

UNDUE HARDSHIP

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in t... (more...)

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in the future to pay off the loan may be able to show that repayment would be an undue hardship.

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.

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.

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.

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.

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.

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.

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Granite Springs Bankruptcy & Debt Lawyer, New York

Sponsored Law Firm

Osorio Cachaya Law Offices, PLLC

SPONSORED LAWYERS

William F. Macreery

Gary Mark Rikoon

Jonathan Matthew Victor

Lester Forest

Anthony John Tripodi

Michael Mel Attanasio

John R. Kibbe

Cornelius Patrick Mccarthy

Leonard Frank Quartaro

George J. Calcagnini

TIPS

LEGAL TERMS

INTEREST

DEFINED CONTRIBUTION PLAN

UNDUE HARDSHIP

NO-FAULT INSURANCE

ADMINISTRATIVE EXPENSES

BANKRUPTCY TRUSTEE

IRS EXPENSES

GUARANTOR

PREFERENCE

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