Rochester Bankruptcy & Debt Lawyer, New York, page 3

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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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Kenneth Stuart Gallant

Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 44 Years

CONTACT

1425 Jefferson Road, Rochester, NY 14623

Steven Edward Laprade

Civil Rights, Credit & Debt

Status: In Good Standing Licensed: 24 Years

CONTACT

3380 Monroe Ave, Rochester, NY 14618

Robert G. Mccarthy

Bankruptcy

Status: In Good Standing Licensed: 17 Years

CONTACT

1600 Crossroads Bldg., Rochester, NY 14614

Anita Claire Miller

Divorce & Family Law, Bankruptcy

Status: In Good Standing Licensed: 48 Years

CONTACT

1600 Crossroads Building, Rochester, NY 14614

Jodie L. Ryan

Litigation, Divorce & Family Law, Commercial Bankruptcy

Status: In Good Standing Licensed: 21 Years

CONTACT

1400 First Federal Plaza, Rochester, NY 14614

Kris Graham

Credit & Debt, Consumer Bankruptcy, Bankruptcy

Status: In Good Standing

CONTACT

1695 Allen Creek Road, Webster, NY 14580

David M. Kaplan

Commercial Banks, Collection, Class Action, Bankruptcy

Status: In Good Standing

CONTACT

46 Helmsford Way, Penfield, NY 14526

Vanessa Hanks

Immigration, Contract, Credit & Debt, Collection

Status: In Good Standing

FREE CONSULTATION

CONTACT

46 Helmsford Way, Penfield, NY 14526

Charles Conrad Welch

Bankruptcy

Status: In Good Standing Licensed: 25 Years

CONTACT

1722 Lake Rd, Hamlin, NY 14464

800-923-0641

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LEGAL TERMS

CREDITOR

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

DEFINED CONTRIBUTION PLAN

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount ... (more...)

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount every month, or every year, for each employee. The employer usually pays a fixed percentage of an employee's wages or salary, although sometimes the amount is a fraction of the company's profits, with the size of each employee's pension share depending on the amount of wage or salary. Upon retirement, each employee's pension is determined by how much was contributed to the fund on behalf of that employee over the years, plus whatever earnings that money has accumulated as part of the investments of the entire pension fund.

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.

BANKRUPTCY

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are ... (more...)

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are two types of bankruptcies -- liquidation, in which your debts are wiped out (discharged) and reorganization, in which you provide the court with a plan for how you intend to repay your debts. For both consumers and business, liquidation bankruptcy is called Chapter 7. For consumers, reorganization bankruptcy is called Chapter 13. Reorganization bankruptcy for consumers with an extraordinary amount of debt and for businesses is called Chapter 11. Reorganization bankruptcy for family farmers is called Chapter 12.

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 COUNSELING

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Unde... (more...)

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Under the new bankruptcy law, a debtor must undergo credit counseling with an approved provider before filing for bankruptcy.

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.

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 CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

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Rochester Bankruptcy & Debt Lawyer, New York, page 3

Sponsored Law Firm

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

SPONSORED LAWYERS

Kenneth Stuart Gallant

Steven Edward Laprade

Robert G. Mccarthy

Anita Claire Miller

Jodie L. Ryan

Kris Graham

David M. Kaplan

Vanessa Hanks

Charles Conrad Welch

TIPS

LEGAL TERMS

CREDITOR

DEFINED CONTRIBUTION PLAN

ACCORD AND SATISFACTION

BANKRUPTCY

INTEREST

CREDIT COUNSELING

CHAPTER 13 BANKRUPTCY

UNDUE HARDSHIP

FAIR CREDIT REPORTING ACT (FCRA)

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