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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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Jerrold W. Bartman

Bankruptcy

Status: In Good Standing

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409 New Karner Road, Albany, NY 12205

Ian L. Crimmins

Estate Planning, Family Law, Criminal, Collection

Status: In Good Standing

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18 Park Row, Chatham, NY 12037

Edward Kowalewski

Eminent Domain, Transportation & Shipping, Business Organization, Collection

Status: In Good Standing

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4 Old Route 146, Clifton Park, NY 12065

Scott M. Ronda

Business Organization, Family Law, Collection, Banking & Finance

Status: In Good Standing

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514 Vischers Ferry Road, Clifton Park, NY 12065

Laurence I. Fox

Eminent Domain, Election & Political, Business Organization, Collection

Status: In Good Standing

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4 Old Route 146, Clifton Park, NY 12065

Brendan R. Wolf

Election & Political, Business Organization, Eminent Domain, Collection

Status: In Good Standing

FREE CONSULTATION

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4 Old Route 146, Clifton Park, NY 12065

Craig H. Norman

Collection

Status: In Good Standing

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122 Remsen Street, Cohoes, NY 12047

George W. Redder

Corporate, Business Organization, Bankruptcy, Divorce

Status: In Good Standing

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243 Wall Street, Kingston, NY 12401

Marc S. Ehrlich

Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

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64 2nd Street, Troy, NY 12180

Michael J. O'Connor

Real Estate, Consumer Bankruptcy, Commercial Bankruptcy, Bankruptcy

Status: In Good Standing Licensed: 47 Years

CONTACT

20 Corporate Woods Blvd, Albany, NY 12211

800-923-0641

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LEGAL TERMS

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.

DISCHARGE (OF DEBTS)

A bankruptcy court's erasure of the debts of a person or business that has filed for bankruptcy.

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

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.

REAFFIRMATION

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing deb... (more...)

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing debt after the bankruptcy case is over. For instance, a debtor might make a reaffirmation agreement with the holder of a car note that the debtor can keep the car and must continue to pay the debt after bankruptcy.

PRESUMED ABUSE

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means te... (more...)

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means test, the court will presume that the debtor has sufficient income to fund a Chapter 13 plan. In this situation, the debtor will not be allowed to proceed with a Chapter 7 bankruptcy unless the debtor can prove that he or she is not abusing the Chapter 7 bankruptcy remedy.

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.

FDCPA

See Fair Debt Collections & Practices Act.

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.

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Round Top Bankruptcy & Debt Lawyer, New York

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

Jerrold W. Bartman

Ian L. Crimmins

Edward Kowalewski

Scott M. Ronda

Laurence I. Fox

Brendan R. Wolf

Craig H. Norman

George W. Redder

Marc S. Ehrlich

Michael J. O'Connor

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LEGAL TERMS

FAIR CREDIT REPORTING ACT (FCRA)

DISCHARGE (OF DEBTS)

DISPOSABLE INCOME

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

REAFFIRMATION

PRESUMED ABUSE

GUARANTOR

FDCPA

PREFERENCE

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