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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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Evan N. Pickus

✓ VERIFIED

Real Estate, Estate, Bankruptcy & Debt

Upon graduation from the Benjamin N. Cardozo School of Law at Yeshiva University in New York, classmates Evan N. Pickus and Howard S. Landsberg sought... (more)

FREE CONSULTATION

CONTACT

800-871-7810

802 Ryders Lane, East Brunswick, NJ 08816

Bonita C. Leadem

Bankruptcy, Construction, Environmental Law, Insurance

Status: In Good Standing

CONTACT

4105 US Rte. 1, Monmouth Junction, NJ 08852

John Charles Allen

Criminal, Bankruptcy & Debt, Family Law, Immigration, Lawsuit & Dispute

Status: In Good Standing Licensed: 30 Years

CONTACT

292 Livingston Avenue, New Brunswick, NJ 08901

Alan Cosner

Estate, Elder Law, Divorce & Family Law, Bankruptcy & Debt, Tax

Status: In Good Standing

FREE CONSULTATION

CONTACT

197 Highway 18, East Brunswick, NJ 08816

Jeffrey Brown

Adoption, Property & Casualty, Bankruptcy & Debt, Residential Real Estate, Child Support

CONTACT

4 Cornwall Drive, East Brunswick, NJ 08816

Robert Colby

Landlord-Tenant, Employment, Business, Collection

Status: In Good Standing

CONTACT

73 Church Street, New Brunswick, NJ 08901

Sean Malin

International Tax, Wills & Probate, Estate Planning, Bankruptcy

Status: In Good Standing

CONTACT

73 Church Street, New Brunswick, NJ 08901

Paul Shur

Banking & Finance, Bankruptcy, Corporate

Status: In Good Standing Licensed: 47 Years

CONTACT

120 Albany Street Plaza, New Brunswick, NJ 08901

Daniel Ivan Rubin

Collection

Status: In Good Standing Licensed: 19 Years

CONTACT

1520 U.S. Highway 130, North Brunswick, NJ 08902

Rebecca Schore

Bankruptcy

Status: In Good Standing

CONTACT

North Brunswick, NJ 08902

800-923-0641

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LEGAL TERMS

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily fu... (more...)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily funded by voluntary donations from the creditors that receive payments from debtors repaying their debts through that office. Despite this criticism, most CCCS counselors provide clients with thorough and neutral advice.

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.

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.

TRADE NAME

The official name of a business, the one it uses on its letterhead and bank account when not dealing with consumers.

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.

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

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.

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).

North Brunswick Bankruptcy & Debt Lawyer, New Jersey

Sponsored Law Firm

Torres Legal

SPONSORED LAWYERS

Evan N. Pickus

Bonita C. Leadem

John Charles Allen

Alan Cosner

Jeffrey Brown

Robert Colby

Sean Malin

Paul Shur

Daniel Ivan Rubin

Rebecca Schore

TIPS

LEGAL TERMS

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

CHAPTER 13 PLAN

CHAPTER 13 BANKRUPTCY

TRADE NAME

INTEREST

MEETING OF CREDITORS

TOXIC TORT

LIEN

CREDIT FILE

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