Oneida County, NY Reorganization Lawyers, page 3

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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
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Ralph William Fusco

Commercial Real Estate, Wills, Personal Injury, Accident & Injury

Status: Licensed: 54 Years

CONTACT

2311 Genesee Street, Utica, NY 13501

Joseph Habib Hobika

Real Estate, Government, Employment, Child Custody

Status: Licensed: 69 Years

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1417 Genesee St, Utica, NY 13501

Peter Michael Hobaica

Estate, Criminal, Bankruptcy, Accident & Injury, Personal Injury

Status: Licensed: 40 Years

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2045 Genesee St, Utica, NY 13501

Brad S. Margolis

Family Law, Real Estate

Status: Licensed: 41 Years

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2600 Oneida St, Utica, NY 13501

John J. Livingston

Real Estate, Lawsuit & Dispute, Intellectual Property, Business

Status:

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258 Genesee St, Utica, NY 13502

Patricia Shaffer Bobrow

Foreclosure, Real Estate, Estate, Elder Law, Banking & Finance

Status:

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4-6 North Park Row, Clinton, NY 13323

Herbert J. Cully

General Practice

Status: Licensed: 47 Years

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510 Bleecker St, Utica, NY 13501

Anthony A. Murad

Real Estate, Personal Injury, Accident & Injury

Status: Licensed: 41 Years

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2713 Genesee St, Utica, NY 13501

Richard Nelson Bach

Immigration, Criminal, Traffic, Real Estate

Status: Licensed: 60 Years

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25B Genesee St Ste 503, Utica, NY 13502

Thomas L. Atkinson

Litigation, Custody & Visitation, Divorce & Family Law, Personal Injury

Status:

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258 Genesee St, Utica, NY 13502

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LEGAL TERMS

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

BANKRUPTCY TRUSTEE

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is t... (more...)

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is to gather the debtor's nonexempt property, liquidate it and distribute it proportionally to her creditors. In a Chapter 13 case, the trustee's role is to receive the debtor's monthly payments and distribute them proportionally to her creditors.

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.

NO-FAULT INSURANCE

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain ... (more...)

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain amount, regardless of who was at fault. The effect of no-fault insurance laws is to eliminate lawsuits in small accidents. The advantage is the prompt payment of medical bills and expenses. The downsides are that the amounts paid by no-fault policies are often not enough to fully cover a person's losses and that no-fault does not compensate for pain and suffering.

DISCHARGE (OF DEBTS)

A bankruptcy court's erasure of the debts of a person or business that has filed for bankruptcy.

DISCHARGEABLE DEBTS

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bill... (more...)

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bills and medical bills. Compare nondischargeable debts.

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.

FDCPA

See Fair Debt Collections & Practices Act.

FRAUDULENT TRANSFER

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee --... (more...)

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee -- for instance, when a debtor signs a car over to a relative to keep it out of the bankruptcy estate. Fraudulently transferred property can be recovered and sold by the trustee for the benefit of the creditors.

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Oneida County, NY Reorganization Lawyers, page 3

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

Ralph William Fusco

Joseph Habib Hobika

Peter Michael Hobaica

Brad S. Margolis

John J. Livingston

Patricia Shaffer Bobrow

Herbert J. Cully

Anthony A. Murad

Richard Nelson Bach

Thomas L. Atkinson

TIPS

LEGAL TERMS

IRS EXPENSES

BANKRUPTCY TRUSTEE

GRACE PERIOD

NO-FAULT INSURANCE

DISCHARGE (OF DEBTS)

DISCHARGEABLE DEBTS

FAIR CREDIT BILLING ACT (FCBA)

FDCPA

FRAUDULENT TRANSFER

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