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James J. DeCristofaro Lawyer

James J. DeCristofaro

VERIFIED
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)

Wayne M. Greenwald Lawyer

Wayne M. Greenwald

VERIFIED
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)

Alan Julius Goldberg Lawyer

Alan Julius Goldberg

VERIFIED
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)

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CONTACT

800-727-7301

Alan  Kaufman Lawyer

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)

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Joseph L. Fox Lawyer

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

Courtney  Davy Lawyer

Courtney Davy

VERIFIED
Civil Rights, Bankruptcy & Debt, Contract, Estate Planning, Criminal
Attorney Services

Courtney Davy proudly served his country as a member of the United States Marine Corps before receiving his Bachelor's and Juris Doctorate degrees. Co... (more)

Scott  Gilman Lawyer

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)

Galiah Jeanette Harel Lawyer

Galiah Jeanette Harel

VERIFIED
Business, Contract, Commercial Real Estate, Intellectual Property, Collection

Galiah Harel is a practicing lawyer in the state of New York. She received her J.D. from Nova Southeastern University College of Law. She currently wo... (more)

FREE CONSULTATION 

CONTACT

718-200-7701

Rachel L. Kaylie Lawyer

Rachel L. Kaylie

VERIFIED
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)

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CONTACT

800-881-3120

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Lawyer.com can help you easily and quickly find New York Bankruptcy & Debt Lawyers and New York Bankruptcy & Debt Law Firms. Refine your search by specific Bankruptcy & Debt practice areas such as Bankruptcy, Collection, Credit & Debt, Reorganization and Workout matters.

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.

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.

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.

FORBEARANCE

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily ... (more...)
Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily postponing or reducing the borrower's payments.

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)
A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

TOXIC TORT

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and su... (more...)
A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and suffering.

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.

WORKOUT

A debtor's plan to take care of a debt, by paying it off or through loan forgiveness. Workouts are often created to avoid bankruptcy or foreclosure proceedings.

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.