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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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Paul David Jaffe

Landlord-Tenant, Family Law, Children's Rights, Collection

Status: Licensed: 61 Years

CONTACT

Chappaqua, NY 10514

Leo Robert Sheer

Real Estate, Industry Specialties, Business, Bankruptcy & Debt

Status: Licensed: 55 Years

CONTACT

617 Douglas Rd, Chappaqua, NY 10514

Penelope W. Morgan

Visa, Trusts, DUI-DWI, Bankruptcy

Status: Licensed: 48 Years

CONTACT

75 S Highland Ave, Ossining, NY 10562

Daniel V. Remer

Bankruptcy & Debt

Status: Licensed: 28 Years

CONTACT

30 State St, Ossining, NY 10562

Eric Fletcher Allendorf

Real Estate, Environmental Law, Banking & Finance, Bankruptcy & Debt

Status: Licensed: 22 Years

CONTACT

12 Briarcliff Road, Chappaqua, NY 10514

Kyle-Beth Hilfer

Status: Licensed: 37 Years

CONTACT

55 Algonquin Dr, Chappaqua, NY 10514

Daniel Stewart Gewanter

Business, Bankruptcy & Debt

Status: Licensed: 29 Years

CONTACT

111 Radio Circle Dr, Mount Kisco, NY 10549

Eric Paul Wainer

Bankruptcy & Debt, Foreclosure, Litigation, Banking & Finance

Status: Licensed: 46 Years

CONTACT

148 Devoe Rd, Chappaqua, NY 10514

Stacey Smith Reynolds

Motor Vehicle, Trusts, Estate, Criminal, Collection

Status: Licensed: 29 Years

CONTACT

55 Smith Avenue, Mount Kisco, NY 10549

Catherine B. Andreycak

Real Estate, Motor Vehicle, Corporate, Collection, Car Accident

Status:

CONTACT

55 Smith Ave, Mount Kisco, NY 10549

800-814-6700

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LEGAL TERMS

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

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.

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

NONDISCHARGEABLE DEBTS

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chap... (more...)

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chapter 13 bankruptcy, the nondischargeable debts will have to be paid in full during your plan or you will have a balance at the end of your case. Examples of nondischargeable debts include alimony and child support, most income tax debts, many student loans and debts for personal injury or death caused by drunk driving. Compare dischargeable debts.

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemp... (more...)

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemptible because it has been damaged or destroyed.

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.

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.

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.

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.

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Millwood Bankruptcy & Debt Lawyer, New York

Sponsored Law Firm

Osorio Cachaya Law Offices, PLLC

SPONSORED LAWYERS

Paul David Jaffe

Leo Robert Sheer

Penelope W. Morgan

Daniel V. Remer

Eric Fletcher Allendorf

Kyle-Beth Hilfer

Daniel Stewart Gewanter

Eric Paul Wainer

Stacey Smith Reynolds

Catherine B. Andreycak

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LEGAL TERMS

FAIR CREDIT BILLING ACT (FCBA)

MEANS TEST

GRACE PERIOD

NONDISCHARGEABLE DEBTS

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

PREFERENCE

UNDUE HARDSHIP

BANKRUPTCY

GENERAL PARTNER

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