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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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Mindy E. McDermott

Workers' Compensation, Criminal, Bankruptcy, Personal Injury

Status: In Good Standing

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602 State Street, Ogdensburg, NY 13669

Anthony Inserra

Bankruptcy & Debt

Status: In Good Standing Licensed: 34 Years

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531 Washington St, Watertown, NY 13601

Clarence Henry Gratto

Estate, Business, Bankruptcy & Debt

Status: Suspended Licensed: 35 Years

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3953 State Highway 37, Ogdensburg, NY 13669

David Baertus Geurtsen

Real Estate, Employment, Bankruptcy & Debt, Accident & Injury

Status: In Good Standing Licensed: 32 Years

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407 Sherman St, Watertown, NY 13601

David P Antonucci

Criminal, Civil Rights, Bankruptcy, Animal Bite, Class Action

Status: In Good Standing Licensed: 36 Years

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12 Public Sq, Watertown, NY 13601

Earl B. Dunckel

Real Estate, Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 57 Years

CONTACT

5352 Summit Ave, Lowville, NY 13367

Erik Sobkiewicz

Bankruptcy & Debt

Status: Suspended Licensed: 35 Years

CONTACT

17 High Street, Carthage, NY 13619

Katherine Barry

Criminal, Collection, Family Law, Juvenile Law

Status: Inactive Licensed: 13 Years

CONTACT

11506A Overlook Pl, Watertown, NY 13603

Neil Tarak Bhatt

Estate, Wills & Probate, Bankruptcy & Debt, Business, Real Estate

Status: In Good Standing Licensed: 20 Years

CONTACT

536 State Street, Ogdensburg, NY 13669

Nicholas E. Fodor

Divorce & Family Law, Bankruptcy & Debt, Accident & Injury

Status: In Good Standing Licensed: 41 Years

CONTACT

315 State St, Ogdensburg, NY 13669

800-923-0641

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LEGAL TERMS

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

CREDIT FILE

See credit report.

ACCORD AND SATISFACTION

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collectin... (more...)

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collecting as much money as they can from debtors who cannot pay the full amount.

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

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).

PRIORITY DEBT

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13... (more...)

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13 bankruptcy. Priority debts include alimony and child support, fees owed to the trustee and the attorney in the bankruptcy case, and wages owed to employees.

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.

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

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Philadelphia Bankruptcy & Debt Lawyer, New York

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

Mindy E. McDermott

Anthony Inserra

Clarence Henry Gratto

David Baertus Geurtsen

David P Antonucci

Earl B. Dunckel

Erik Sobkiewicz

Katherine Barry

Neil Tarak Bhatt

Nicholas E. Fodor

TIPS

LEGAL TERMS

SETOFF

CREDIT FILE

ACCORD AND SATISFACTION

TRUTH IN LENDING ACT (TILA)

CURRENT MONTHLY INCOME

LIEN

PRIORITY DEBT

UNDUE HARDSHIP

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

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