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Jose Torres
About | Practice Areas
Torres Legal
129 Prospect St Passaic, NJ 07055» view map
Criminal Defense & Divorce and Family Law
Competent Legal Representation

Founded in 2005, Torres Legal is a Law Firm based in Passaic, NJ whose goal is to provide individuals in need with competent legal representation.

800-761-6810
1. Jose Torres Passaic, NJ
  Attorney at Law, NJ
  Florida Coastal School of Law, LL.M. 2003
2. AboutTorres Legal
  Competent Legal Representation
3. Practice AreasExpertise
  Criminal Defense & Divorce and Family Law
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Michael P. Otto

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Bankruptcy & Debt, Divorce & Family Law, Traffic, Real Estate Other, Consumer Protection

Michael Otto was born and raised in Iowa. Mr. Otto received a B.S. in Marketing from Iowa State University in 1990, where he was a member of the Golde... (more)

FREE CONSULTATION

CONTACT

800-998-7210

1030 Stelton Road, Piscataway, NJ 08854

Wayne A. Watkinson

Foreclosure, Business Organization, Administrative Law, Consumer Bankruptcy

Status: In Good Standing

CONTACT

1460 Route 9 North, Woodbridge, NJ 07095

Alfred Louis Amato

Commercial Real Estate, Construction, Natural Resources, Commercial Bankruptcy

Status: In Good Standing

CONTACT

402 Main St, Metuchen, NJ 08840

Mark Silber

Bankruptcy & Debt, Defect and Lemon Law, Products Liability, Consumer Rights, Lawsuit & Dispute

Status: In Good Standing

CONTACT

10 Station Place, Metuchen, NJ 08840

Mark R Silber

Other, Motor Vehicle, Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 51 Years

CONTACT

10 Station Pl, Metuchen, NJ 08840

Jacqueline Rocci

Bankruptcy

Status: In Good Standing

CONTACT

Metuchen, NJ 08840

Renee Frank

Bankruptcy

Status: In Good Standing

CONTACT

Metuchen, NJ 08840

Michael Benjamin Fusco

Mass Torts, Bankruptcy & Debt, Personal Injury, Accident & Injury

Status: In Good Standing Licensed: 14 Years

CONTACT

2 Lincoln Highway, Edison, NJ 08818

Samuel C Inglese

Landlord-Tenant, Litigation, Collection, Personal Injury

Status: In Good Standing Licensed: 63 Years

CONTACT

980 Amboy Avenue, Edison, NJ 08837

Justin Martin Gillman

Real Estate, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

770 Amboy Ave, Edison, NJ 08837

800-923-0641

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LEGAL TERMS

BANKRUPTCY

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are ... (more...)

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are two types of bankruptcies -- liquidation, in which your debts are wiped out (discharged) and reorganization, in which you provide the court with a plan for how you intend to repay your debts. For both consumers and business, liquidation bankruptcy is called Chapter 7. For consumers, reorganization bankruptcy is called Chapter 13. Reorganization bankruptcy for consumers with an extraordinary amount of debt and for businesses is called Chapter 11. Reorganization bankruptcy for family farmers is called Chapter 12.

DEBIT CARD

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can ... (more...)

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can also be used at stores to pay for goods and services in place of a check. Unlike a credit card, a debit card automatically withdraws money from your checking account at the time of the transaction. Debit cards are regulated by the Electronic Funds Transfer Act.

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.

INFRINGEMENT (OF TRADEMARK)

Unauthorized use of a protected trademark or service mark, or use of something very similar to a protected mark. The success of a lawsuit to stop the infringeme... (more...)

Unauthorized use of a protected trademark or service mark, or use of something very similar to a protected mark. The success of a lawsuit to stop the infringement turns on whether the defendant's use causes a likelihood of confusion in the average consumer. If a court determines that the average consumer would be confused, the owner of the original mark can prevent the other's use of the infringing mark and sometimes collect damages.

SOLE PROPRIETORSHIP

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, m... (more...)

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, meaning that business profits are reported and taxed on the owner's personal tax return. Setting up a sole proprietorship is cheap and easy since no legal formation documents need be filed with any governmental agency (although tax registration and other permit and license requirements may still apply). Once you file a fictitious name statement (assuming you don't use your own name) and obtain any required basic tax permits and business licenses, you'll be in business. The main downside of a sole proprietorship is that its owner is personally liable for all business debts.

DEBT COLLECTOR

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe... (more...)

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe. Debt collectors can be relentless, often using scare tactics, humiliation and repeated phone calls to extract payments or promises to pay.

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.

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.

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.

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Metuchen Bankruptcy & Debt Lawyer, New Jersey

Sponsored Law Firm

Torres Legal

SPONSORED LAWYERS

Michael P. Otto

Wayne A. Watkinson

Alfred Louis Amato

Mark Silber

Mark R Silber

Jacqueline Rocci

Renee Frank

Michael Benjamin Fusco

Samuel C Inglese

Justin Martin Gillman

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LEGAL TERMS

BANKRUPTCY

DEBIT CARD

NO-FAULT INSURANCE

INFRINGEMENT (OF TRADEMARK)

SOLE PROPRIETORSHIP

DEBT COLLECTOR

MEETING OF CREDITORS

INTEREST

CREDIT INSURANCE

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