North Collins Collection Lawyer, New York

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Brian R. Goodwin

Commercial Banks, Commercial Real Estate, Credit & Debt, Motor Vehicle, Collection
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  21 Years

Charlotte Werner-Kohler

Commercial Real Estate, Civil & Human Rights, Collection, Household Mold
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           

Daria Lynnette Pratcher

Commercial Real Estate, Real Estate, Business & Trade, Collection
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  21 Years

David T Stephenson

Intellectual Property, Industry Specialties, Collection, Products Liability
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  20 Years

Gerald Chiari

Collection
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  53 Years

Harold P. Bulan

Collection
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  60 Years

James Edward Westman

Employee Rights, Family Law, Divorce & Family Law, Collection, Personal Injury
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  48 Years

James Michael Joyce

General Practice
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  38 Years

Jennifer Volhard Schiffmacher

Family Law, Civil Rights, Collection, Personal Injury, Criminal
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  26 Years

Joseph J. Marusak

Patent, DUI-DWI, Collection, Products Liability
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  43 Years

Free Help: Use This Form or Call 800-814-6700

Member Representative

Call me for fastest results!
800-943-8690

Free Help: Use This Form or Call 800-943-8690

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LEGAL TERMS

UNSECURED DEBT

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only reme... (more...)
A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only remedy is to sue you and get a judgment. Compare secured debt.

NONEXEMPT PROPERTY

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typicall... (more...)
The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typically includes valuable clothing (furs) and electronic equipment, an expensive car that's been paid off and most of the equity in your house. Compare exempt property.

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.

DOING BUSINESS AS (DBA)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or ... (more...)
A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or similar document with the appropriate agency -- for example, the county clerk. This enables consumers to discover the names of the business owners, which is important if a consumer needs to sue the business.

FAIR LABOR STANDARDS ACT (FLSA)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements ... (more...)
A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements for overtime and places restrictions on child labor.

401(K) PLAN

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income ... (more...)
A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income taxes on the amount invested and any earnings are due until the employee withdraws money from the fund.

CREDIT FILE

See credit report.

DEFINED CONTRIBUTION PLAN

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount ... (more...)
A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount every month, or every year, for each employee. The employer usually pays a fixed percentage of an employee's wages or salary, although sometimes the amount is a fraction of the company's profits, with the size of each employee's pension share depending on the amount of wage or salary. Upon retirement, each employee's pension is determined by how much was contributed to the fund on behalf of that employee over the years, plus whatever earnings that money has accumulated as part of the investments of the entire pension fund.

ABUSE

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because ... (more...)
Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because the debtor appears to have enough disposable income to fund a Chapter 13 repayment plan.

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