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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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Robert L. Grundlock

Complex Litigation, Federal Trial Practice, Federal Appellate Practice, Collection, Real Estate

Status: Licensed: 39 Years

CONTACT

3150 Brunswick Pk, Lawrence Township, NJ 08648

William H. Brosha

Litigation, Children's Rights, Business, Collection

Status:

CONTACT

993 Lenox Dr, Lawrence Township, NJ 08648

A. Christopher Florio

Wills & Probate, Trade Associations, Collection

Status:

CONTACT

993 Lenox Dr, Lawrence Township, NJ 08648

Anna Eva Johansson

Intellectual Property, Life & Health, Business & Trade, Commercial Bankruptcy

Status: Licensed: 23 Years

CONTACT

100 College Rd W, Princeton, NJ 08540

Naeem Akhtar

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

Status: Licensed: 12 Years

CONTACT

103 Carnegie Ctr, Princeton, NJ 08540

Allyson Lantolf

Bankruptcy

Status:

CONTACT

103 Carnegie Ctr Ste 300, Princeton, NJ 08540

Kimberly Pelkey Sdeo

Bankruptcy

Status:

CONTACT

103 Carnegie Ctr Ste 300, Princeton, NJ 08540

Patricia Roach

Dispute Resolution, Bankruptcy

Status:

CONTACT

103 Carnegie Ctr Ste 300, Princeton, NJ 08540

Timothy Duggan

Bankruptcy, Tax

Status:

CONTACT

103 Carnegie Ctr Ste 300, Princeton, NJ 08540

Ronald Glick

Bankruptcy

Status:

CONTACT

Lawrence Township, NJ 08648

800-923-0641

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LEGAL TERMS

FRATERNAL BENEFIT SOCIETY BENEFITS

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal socie... (more...)

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal societies that provide benefits. Also called benefit society, benevolent society or mutual aid association benefits. Under bankruptcy laws, these benefits are virtually always considered exempt property.

AUTOMATIC STAY

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities,... (more...)

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities, such as filing or continuing lawsuits, making written requests for payment, or notifying credit reporting bureaus of an unpaid debt.

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.

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.

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

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).

PREFERENCE

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commer... (more...)

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commercial creditors) and within one year for insider creditors (friends, family members, and business associates). Because a preference gives the creditor who received the payment an edge over other creditors in the bankruptcy case, the trustee can recover the preference (the amount of the payment) and distribute it among all of the creditors.

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.

NUISANCE FEES

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fe... (more...)

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fees, inactivity fees and fees for not carrying a balance from month to month. It's best to shop around and get rid of cards that have these fees attached.

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Princeton Bankruptcy & Debt Lawyer, New Jersey

Sponsored Law Firm

Torres Legal

SPONSORED LAWYERS

Robert L. Grundlock

William H. Brosha

A. Christopher Florio

Anna Eva Johansson

Naeem Akhtar

Allyson Lantolf

Kimberly Pelkey Sdeo

Patricia Roach

Timothy Duggan

Ronald Glick

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LEGAL TERMS

FRATERNAL BENEFIT SOCIETY BENEFITS

AUTOMATIC STAY

CHAPTER 13 BANKRUPTCY

ABUSE

COLLECTION AGENCY

LIEN

PREFERENCE

IRS EXPENSES

NUISANCE FEES

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