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Barry Janay
About | Practice Areas
The Law Office of Barry E. Janay, P.C.
30B Vreeland Rd. Suite 100 Florham Park, NJ 07932» view map
Bankruptcy & Debt
Effective and Solution-Oriented

Representing and counselling in matters relating to Real Estate, Bankruptcy & Debt, and Estate.

800-658-2720
1. Barry Janay Florham Park, NJ
  Attorney at Law- NJ, 2003
  Golden Gate University School of Law, J.D. 2003
2. AboutThe Law Office of Barry E. Janay, P.C.
  Effective and Solution-Oriented
3. Practice AreasExpertise
  Bankruptcy & Debt
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Keith Scott Lederman

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

Keither Lederman is a practicing lawyer in the state of New York.

FREE CONSULTATION

CONTACT

800-895-7661

75 South Clinton Avenue, Rochester, NY 14604

Kenneth Gallant

Bankruptcy & Debt, Bankruptcy, Credit & Debt

Status: In Good Standing

FREE CONSULTATION

CONTACT

1425 Jefferson Road, Rochester, NY 14623

Patrick J. Conklin

Alimony & Spousal Support, Child Support, Consumer Bankruptcy, Farms

Status: In Good Standing

FREE CONSULTATION

CONTACT

Canandaigua National Bank Building, 70 South Main Street, Canandaigua, NY 14424

Lawrence Baker

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

Status: In Good Standing Licensed: 43 Years

CONTACT

250 Mill Street, Rochester, NY 14614

Mindy Lee Zoghlin

State and Local, Environmental Law, State and Local, Divorce, Collection

Status: In Good Standing Licensed: 38 Years

CONTACT

300 State St, Rochester, NY 14614

Cheryl A. Heller

Bankruptcy & Debt

Status: In Good Standing Licensed: 40 Years

CONTACT

300 State St, Rochester, NY 14614

Thomas G Curran

Bankruptcy

Status: In Good Standing Licensed: 10 Years

CONTACT

61 Commercial St, Rochester, NY 14614

David Scott Stern

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

Status: In Good Standing

CONTACT

1 E Main St, Rochester, NY 14614

Thomas A. Corletta

Lawsuit & Dispute, Divorce & Family Law, Criminal, Bankruptcy & Debt

Status: In Good Standing Licensed: 41 Years

CONTACT

16 W Main St, Rochester, NY 14614

Mark Andrew Foti

Criminal, Consumer Protection, Collection, Toxic Mold & Tort

Status: In Good Standing

CONTACT

16 W Main St, Rochester, NY 14614

800-923-0641

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LEGAL TERMS

GENERAL PARTNER

A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the... (more...)

A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the business's debts and obligations. A general partner's actions can legally bind the entire business. See also partnership, limited partnership.

SECRET WARRANTY PROGRAM

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid... (more...)

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid a recall and the accompanying bad press. Secret warranties are rarely advertised by the manufacturer, so consumers must pursue the manufacturer to discover and take advantage of them. A few states require manufacturers to notify car buyers when they adopt secret warranty programs.

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.

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

SUBROGATION

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off i... (more...)

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off its injured claimant takes the legal rights the claimant has against a third party that caused the injury, and sues that third party.

CREDITOR

A person or entity (such as a bank) to whom a debt is owed.

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.

CREDIT BUREAU

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit... (more...)

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit card companies that use the information to screen applicants for loans and credit cards. There are three major credit bureaus, Equifax, Experian and Trans Union, and they are regulated by the federal Fair Credit Reporting Act.

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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Rochester Bankruptcy & Debt Lawyer, New York

Sponsored Law Firm

The Law Office of Barry E. Janay, P.C.

SPONSORED LAWYERS

Keith Scott Lederman

Kenneth Gallant

Patrick J. Conklin

Lawrence Baker

Mindy Lee Zoghlin

Cheryl A. Heller

Thomas G Curran

David Scott Stern

Thomas A. Corletta

Mark Andrew Foti

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LEGAL TERMS

GENERAL PARTNER

SECRET WARRANTY PROGRAM

NONEXEMPT PROPERTY

GUARANTOR

SUBROGATION

CREDITOR

INTEREST

CREDIT BUREAU

ABUSE

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