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Abraham Michelson
About | Practice Areas
The Michelson Law Office
203 North Lasalle Street Suite 2100 Chicago, IL 60601Â» view map
Bankruptcy, Chapter 7, Chapter 13
Chicago Bankruptcy Lawyer

When your finances are at stake, choose the best. Don't sink deeper in debt. Contact The Michelson Law Office

800-824-6431
1. Abraham Michelson Chicago, IL
  Attorney at Law - Illinois, 2013
  Thomas Cooley, JD, 2004
2. AboutAbraham Michelson
  Our legal team can advise you on your options for negotiating a solution.
3. Practice AreasServices
  Find out how an experienced attorney can help end calls and prevent lawsuits.
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Anne Elizabeth Pieroni

Real Estate, Employment, Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 19 Years

CONTACT

793 Center Street, Lewiston, NY 14092

Anne Difonzo Melzer

Tax, Bankruptcy & Debt

Status: In Good Standing Licensed: 41 Years

CONTACT

1051 Upper Mountain Rd, Lewiston, NY 14092

Siana Jody Mclean

Immigration, Asylum, Bankruptcy

Status: In Good Standing Licensed: 14 Years

CONTACT

1520 Pine Ave, Niagara Falls, NY 14301

Lawrence Gilbert Stuart

Real Estate, Criminal, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 40 Years

CONTACT

770 Main St, Niagara Falls, NY 14301

Michael C. Schmahl Delia

Criminal, Accident & Injury, Bankruptcy & Debt, Real Estate, Business

Status: In Good Standing Licensed: 30 Years

FREE CONSULTATION

CONTACT

2445 Allen Ave., NIAGARA FALLS, NY 14303

Mary Ellen Maloney

Lawsuit & Dispute, Estate, Business, Bankruptcy & Debt, Education

Status: In Good Standing Licensed: 38 Years

CONTACT

256 Third Street, Niagara Falls, NY 14303

David Francis Derrico

Workers' Compensation, Bankruptcy & Debt

Status: In Good Standing Licensed: 30 Years

CONTACT

1625 Buffalo Avenue, Niagara Falls, NY 14303

Sharon Angelino

Environmental Law, Employment, Insurance, Bankruptcy & Debt

Status: In Good Standing

CONTACT

4746 Model City Rd, Model City, NY 14107

Mary Ellen Maloney

Lawsuit & Dispute, Estate, Business, Bankruptcy & Debt, Products Liability

Status: In Good Standing Licensed: 30 Years

CONTACT

256 3rd St, Niagara Falls, NY 14303

800-923-0641

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800-943-8690

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LEGAL TERMS

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

REAFFIRMATION

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing deb... (more...)

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing debt after the bankruptcy case is over. For instance, a debtor might make a reaffirmation agreement with the holder of a car note that the debtor can keep the car and must continue to pay the debt after bankruptcy.

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

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.

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.

NUISANCE FEES

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fe... (more...)

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fees, inactivity fees and fees for not carrying a balance from month to month. It's best to shop around and get rid of cards that have these fees attached.

FCRA

See Fair Credit Reporting Act.

NONPROFIT CORPORATION

A legal structure authorized by state law allowing people to come together to either benefit members of an organization (a club, or mutual benefit society) or f... (more...)

A legal structure authorized by state law allowing people to come together to either benefit members of an organization (a club, or mutual benefit society) or for some public purpose (such as a hospital, environmental organization or literary society). Nonprofit corporations, despite the name, can make a profit, but the business cannot be designed primarily for profit-making purposes, and the profits must be used for the benefit of the organization or purpose the corporation was created to help. When a nonprofit corporation dissolves, any remaining assets must be distributed to another nonprofit, not to board members. As with for-profit corporations, directors of nonprofit corporations are normally shielded from personal liability for the organization's debts. Some nonprofit corporations qualify for a federal tax exemption under _ 501(c)(3) of the Internal Revenue Code, with the result that contributions to the nonprofit are tax deductible by their donors.

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Niagara University Bankruptcy & Debt Lawyer, New York

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

Anne Elizabeth Pieroni

Anne Difonzo Melzer

Siana Jody Mclean

Lawrence Gilbert Stuart

Michael C. Schmahl Delia

Mary Ellen Maloney

David Francis Derrico

Sharon Angelino

Mary Ellen Maloney

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LEGAL TERMS

CREDIT REPORT

REAFFIRMATION

GUARANTOR

COLLECTION AGENCY

FAIR CREDIT REPORTING ACT (FCRA)

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

NUISANCE FEES

FCRA

NONPROFIT CORPORATION

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