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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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Christine M. Cahill

Industry Specialties, Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 22 Years

CONTACT

125 Route 340, Sparkill, NY 10976

Howard Martin Gurock

Real Estate, Divorce & Family Law, Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 37 Years

CONTACT

33 Rockland Park Ave, Tappan, NY 10983

Matthew Joel Epstein

Real Estate, Business, Bankruptcy & Debt

Status: In Good Standing

CONTACT

100 Dutch Hill Rd, Orangeburg, NY 10962

Arthur Sanford Vener

Real Estate, Immigration, Bankruptcy & Debt

Status: In Good Standing Licensed: 46 Years

CONTACT

95 Dutch Hill Rd, Orangeburg, NY 10962

Stanley Milton Wayne

Bankruptcy & Debt, Immigration, Visa, Family Law, Divorce & Family Law

Status: In Good Standing Licensed: 24 Years

FREE CONSULTATION

CONTACT

231 South Boulevard, Nyack, NY 10960

Laura Buckley

Bankruptcy & Debt

Status: In Good Standing Licensed: 39 Years

CONTACT

140 Old Orangeburg Rd, Orangeburg, NY 10962

Robert Jeremy Nahoum

Landlord-Tenant, Lawsuit & Dispute, Consumer Rights, Consumer Bankruptcy

Status: In Good Standing Licensed: 23 Years

CONTACT

48 Burd Street, Nyack, NY 10960

Justin Samuel Blash

Lawsuit & Dispute, Intellectual Property, Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 29 Years

CONTACT

53 Hudson Ave, Nyack, NY 10960

Michelle G. Gershfeld

Real Estate, Foreclosure, Bankruptcy & Debt

Status: In Good Standing Licensed: 35 Years

CONTACT

100 White Plains Road, Tarrytown, NY 10591

John Vaughn Trop

Bankruptcy

Status: In Good Standing Licensed: 37 Years

CONTACT

120 White Plains Rd, Tarrytown, NY 10591

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.

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.

CREDIT INSURANCE

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay o... (more...)

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay off the remaining balance. Federal and state consumer protection laws require the lender to disclose to existing and potential borrowers the terms and costs of obtaining credit insurance because it can affect the terms of the loan.

FDCPA

See Fair Debt Collections & Practices Act.

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

DEBT COLLECTOR

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe... (more...)

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe. Debt collectors can be relentless, often using scare tactics, humiliation and repeated phone calls to extract payments or promises to pay.

REPOSSESSION

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and ... (more...)

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and has not attempted to work with the lender to resolve the problem. A repossessor can't use force to get at your car, but he can legally hot-wire it and even drive it out of your unlocked garage.

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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Piermont Bankruptcy & Debt Lawyer, New York

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

Christine M. Cahill

Howard Martin Gurock

Matthew Joel Epstein

Arthur Sanford Vener

Stanley Milton Wayne

Laura Buckley

Robert Jeremy Nahoum

Justin Samuel Blash

Michelle G. Gershfeld

John Vaughn Trop

TIPS

LEGAL TERMS

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

GRACE PERIOD

CREDIT INSURANCE

FDCPA

REDEMPTION

MEANS TEST

DEBT COLLECTOR

REPOSSESSION

NONDISCHARGEABLE DEBTS

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