Monmouth Junction Bankruptcy & Debt Lawyer, New Jersey

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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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Bonita C. Leadem

Bankruptcy, Construction, Environmental Law, Insurance

Status: In Good Standing

CONTACT

4105 US Rte. 1, Monmouth Junction, NJ 08852

Michael Richmond

Trusts, Real Estate, Criminal, Bankruptcy

Status: In Good Standing

CONTACT

Monmouth Junction, NJ 08852

Eric Rochkind

Real Estate, Child Support, Credit & Debt, Slip & Fall Accident

Status: In Good Standing

CONTACT

3146 State Route 27, Kendall Park, NJ 08824

Brittany Wood Debord

Construction, Communication & Media Law, Banking & Finance, Reorganization

Status: In Good Standing Licensed: 9 Years

CONTACT

10 Jefferson Plaza, Princeton, NJ 08540

Jesse Paul Nash

Litigation, Bankruptcy

Status: In Good Standing Licensed: 21 Years

CONTACT

4 Independence Way, Princeton, NJ 08540

Dale Console

Family Law, Bankruptcy

Status: In Good Standing

CONTACT

Kingston, NJ 08528

Eric Brophy

Real Estate, Criminal, Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 25 Years

CONTACT

103 College Rd E, Princeton, NJ 08540

Judith Ellen Reich

Industry Specialties, Contract, Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 37 Years

CONTACT

105 College Rd E, Princeton, NJ 08542

Ruth Ann Rauls

Other, Mass Torts, Lawsuit & Dispute, Bankruptcy & Debt

Status: In Good Standing Licensed: 19 Years

CONTACT

650 College Rd E, Princeton, NJ 08540

Javier Luis Merino

Real Estate, Consumer Protection, Bankruptcy & Debt

Status: In Good Standing Licensed: 11 Years

CONTACT

1520 US Highway 130, North Brunswick, NJ 08902

800-923-0641

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LEGAL TERMS

SECRET WARRANTY PROGRAM

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid... (more...)

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid a recall and the accompanying bad press. Secret warranties are rarely advertised by the manufacturer, so consumers must pursue the manufacturer to discover and take advantage of them. A few states require manufacturers to notify car buyers when they adopt secret warranty programs.

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.

CYBERSQUATTING

Buying a domain name that reflects the name of a business or famous person with the intent of selling the name back to the business or celebrity for a profit. T... (more...)

Buying a domain name that reflects the name of a business or famous person with the intent of selling the name back to the business or celebrity for a profit. The Anticybersquatting Consumer Protection Act of 1999 authorizes a cybersquatting victim to file a federal lawsuit to regain a domain name or sue for financial compensation. Under the act, registering, selling or using a domain name with the intent to profit from someone else's good name is considered cybersquatting. Victims of cybersquatting can also use the provisions of the Uniform Domain Name Dispute Resolution Policy adopted by ICANN, an international tribunal administering domain names. This international policy results in arbitration of the dispute, not litigation.

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.

FCBA

See Fair Credit Billing Act.

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.

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.

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.

LIMITED LIABILITY

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or ... (more...)

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or a person who invests in a corporation (a shareholder) generally stands to lose only the amount of money invested in the business. This means that if the business folds, creditors cannot seize or sell an owner's home, car, or other personal assets.

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Monmouth Junction Bankruptcy & Debt Lawyer, New Jersey

Sponsored Law Firm

Torres Legal

SPONSORED LAWYERS

Bonita C. Leadem

Michael Richmond

Eric Rochkind

Brittany Wood Debord

Jesse Paul Nash

Dale Console

Eric Brophy

Judith Ellen Reich

Ruth Ann Rauls

Javier Luis Merino

TIPS

LEGAL TERMS

SECRET WARRANTY PROGRAM

ADMINISTRATIVE EXPENSES

CYBERSQUATTING

UNDUE HARDSHIP

FCBA

FAIR CREDIT BILLING ACT (FCBA)

IRS EXPENSES

DISPOSABLE INCOME

LIMITED LIABILITY

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