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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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William James Casey

Civil Rights, Children's Rights, Contract, Bankruptcy

Status: Licensed: 17 Years

CONTACT

520 Columbia Dr, Johnson City, NY 13790

Cameron Burgin Daniels

Lawsuit & Dispute, Child Custody, Civil Rights, Credit & Debt

Status: Licensed: 10 Years

CONTACT

520 Columbia Dr, Johnson City, NY 13790

Steven William Barnstead

Industry Specialties, Estate Planning, Business, Bankruptcy & Debt

Status: Licensed: 37 Years

CONTACT

420 Carroll St, Elmira, NY 14901

Nancy Marie Eraca

Divorce, Child Custody, Criminal, Bankruptcy

Status:

CONTACT

150 Lake St, Elmira, NY 14901

Christopher Denton

Industry Specialties, Bankruptcy, Accident & Injury

Status: Licensed: 47 Years

CONTACT

311 Lake St, Elmira, NY 14901

Charles Edward Andersen

Intellectual Property, Science, Technology & Internet, Corporate, Bankruptcy

Status: Licensed: 38 Years

CONTACT

100 N Main St, Elmira, NY 14901

James George Duffy

Real Estate, Estate, Bankruptcy & Debt

Status: Licensed: 72 Years

CONTACT

2 Westland Ct, Binghamton, NY 13905

James Rothe

Dispute Resolution, Wills & Probate, Wrongful Termination, Criminal, Credit & Debt

Status: Licensed: 45 Years

CONTACT

5 Hawthorne Rd, Binghamton, NY 13903

Peter A. Orville

Constitutional Law, Banking & Finance, Credit & Debt, Bankruptcy, Motor Vehicle

Status: Licensed: 44 Years

CONTACT

30 Riverside Dr, Binghamton, NY 13905

Carman Michael Garufi

Divorce, Child Custody, Children's Rights, Collection

Status: Licensed: 41 Years

CONTACT

68 Oak St, Binghamton, NY 13905

800-923-0641

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LEGAL TERMS

CHAPTER 13 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.

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.

FCRA

See Fair Credit Reporting Act.

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

LOSS DAMAGE WAIVER (LDW)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it ofte... (more...)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it often duplicates coverage provided by the renter's regular car insurance and/or the credit card she uses to rent the car. Nevertheless, hard-sell practices by rental car agents often dupe people into buying LDWs they don't really need. LDW is also called 'collision damage waiver.'

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.

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

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.

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Nichols Bankruptcy & Debt Lawyer, New York, page 2

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

William James Casey

Cameron Burgin Daniels

Steven William Barnstead

Nancy Marie Eraca

Christopher Denton

Charles Edward Andersen

James George Duffy

James Rothe

Peter A. Orville

Carman Michael Garufi

TIPS

LEGAL TERMS

CHAPTER 13 BANKRUPTCY

PREFERENCE

UNDUE HARDSHIP

FCRA

GARNISHMENT

LOSS DAMAGE WAIVER (LDW)

CHAPTER 13 PLAN

LIEN

NONDISCHARGEABLE DEBTS

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