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James DeCristofaro
About | Practice Areas
DCL Firm
42 West 24th Street 2nd Floor New York, NY 10010Â» view map
Bankruptcy & Debt Law
OVER $100 MILLION IN DISPUTES RESOLVED

At DCL, we understand the challenges you face because we understand how businesses operate. When working with you, we make complex legal concepts understandable.

800-399-4190
1. James DeCristofaro New York, NY
  Attorney at Law - NY, 2001
  Georgetown, J.D. 2001
2. AboutDeCristofaro Law
  Your law firm for all business disputes.
3. Practice AreasExpertise
  Bankruptcy & Debt
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James J. DeCristofaro

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Lawsuit & Dispute, Business, Commercial Bankruptcy, Reorganization, Dissolution

OVER $100 MILLION IN DISPUTES RESOLVED

James J. DeCristofaro is the founder and principal of DCL Firm (DeCristofaro Law) and has been practicing law in New York for about 15 years. He gradu... (more)

CONTACT

800-399-4190

42 West 24th Street, New York, NY 10010

Wayne M. Greenwald

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Bankruptcy & Debt, Lawsuit & Dispute, Business

Wayne M. Greenwald represents the entire spectrum of parties-in-interest in debtor-creditor matters and cases under the U.S. Bankruptcy Code. He has e... (more)

CONTACT

800-981-8060

475 Park Ave S, New York, NY 10016

Alan Julius Goldberg

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Real Estate, Criminal, Divorce & Family Law, Bankruptcy & Debt, Accident & Injury

GOLDBERG, SCUDIERI & LINDENBERG, P.C. was founded in January 1981, by Alan J. Goldberg, Esq. The firm has continually grown and expanded into a ful... (more)

FREE CONSULTATION

CONTACT

800-727-7301

6 East 45th Street, New York, NY 10017

Alan Kaufman

Intellectual Property, Bankruptcy & Debt, Trademark, Insurance, Business

Alan genuinely loves being a lawyer and his enthusiasm, creativity and ingenuity make a difference. His passion leads him to partner with his clients... (more)

CONTACT

212-905-8348

230 Park Avenue, New York, NY 10169

Joseph L. Fox

Real Estate, Estate, Business, Bankruptcy & Debt, Credit & Debt

Joe has been admitted to practice law in the State of New York since 1984 and before the United States District Court for the Southern and Eastern Dis... (more)

FREE CONSULTATION

CONTACT

212-949-8300

240 Madison Avenue, New York, NY 10016

Joan Noble Grace James

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Divorce & Family Law, Estate, Bankruptcy & Debt, Real Estate, Immigration

Joan James is a practicing lawyer in the state of New York.

CONTACT

800-890-5101

185 Montague Street, Brooklyn, NY 11201

Scott Gilman

Accident & Injury, Estate, Bankruptcy & Debt, Social Security

Scott Gilman graduated from Touro Law School in 1988. He became a founding member of Touro Law School's Social Security Disability Clinic. This is whe... (more)

CONTACT

800-599-5950

380 Lexington Avenue, New York, NY 10168

Jayson Lutzky

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Accident & Injury, Bankruptcy, Divorce & Family Law

Jayson Lutzky has 30 years of proven legal experience, both as a trial litigator and as a tough negotiator. His reasonably priced legal representation... (more)

CONTACT

800-781-4910

1740 Hone Avenue, Bronx, NY 10461

Rachel L. Kaylie

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Bankruptcy & Debt, Accident & Injury

Rachel Kaylie is the founder of the Law Offices of Rachel L. Kaylie, P.C. She is a skilled litigation attorney with well over 20 years of private pra... (more)

FREE CONSULTATION

CONTACT

800-881-3120

1702 Avenue Z, Brooklyn, NY 11235

800-923-0641

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LEGAL TERMS

FAIR CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

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.

CHAPTER 7 BANKRUPTCY

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 b... (more...)

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 bankruptcy takes from three to six months, costs about $200, and commonly requires only one trip to the courthouse.

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.

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

SECURED DEBT

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collater... (more...)

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collateral, to satisfy the debt if you default. Compare unsecured debt.

CHAPTER 13 PLAN

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to ... (more...)

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to pay all mandatory debts -- for example, back child support, taxes, and mortgage arrearages -- as well as some or all unsecured, nonpriority debts, such as medical and credit card bills.

CREDIT COUNSELING

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Unde... (more...)

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Under the new bankruptcy law, a debtor must undergo credit counseling with an approved provider before filing for bankruptcy.

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New York Bankruptcy & Debt Lawyer, New York

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DCL Firm

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James J. DeCristofaro

Wayne M. Greenwald

Alan Julius Goldberg

Alan Kaufman

Joseph L. Fox

Joan Noble Grace James

Scott Gilman

Jayson Lutzky

Rachel L. Kaylie

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LEGAL TERMS

FAIR CREDIT REPORTING ACT (FCRA)

LIMITED LIABILITY

CHAPTER 7 BANKRUPTCY

BANKRUPTCY

COSIGNER

REDEMPTION

SECURED DEBT

CHAPTER 13 PLAN

CREDIT COUNSELING

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