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Schenectady County, NY Reorganization Lawyers, page 2

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Wayne P. Smith

Real Estate, Motor Vehicle, Other Industries, Divorce & Family Law, DUI-DWI
Status:  In Good Standing           Licensed:  57 Years
CONTACT
157 Barrett St, Schenectady, NY 12305
Profile LAWPOINTS™34/100
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Nannette Rachelle Kelleher

Accident & Injury
Status:  In Good Standing           
CONTACT
1222 Troy Schenectady Rd, Schenectady, NY 12309
Profile LAWPOINTS™34/100
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Richard H. Weiskopf

Divorce & Family Law, Bankruptcy & Debt, Personal Injury, Accident & Injury
Status:  In Good Standing           Licensed:  50 Years
CONTACT
670 Franklin Street, Schenectady, NY 12305
Profile LAWPOINTS™34/100
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Jay Russell Yablon

Trademark, Patent, Copyright, Employment Discrimination
Status:  In Good Standing           
CONTACT
910 Northumberland Dr, Schenectady, NY 12309
Profile LAWPOINTS™34/100
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Paul Edward Delorenzo

Accident & Injury, Real Estate, Estate, Wrongful Death
Status:  In Good Standing           
CONTACT
670 Franklin St, Schenectady, NY 12305
Profile LAWPOINTS™34/100
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Maura Christine Mottolese

Real Estate, Immigration, Estate, Employee Rights
Status:  In Good Standing           
CONTACT
1430 Balltown Rd, Schenectady, NY 12309
Profile LAWPOINTS™34/100
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Michael R. Suprunowicz

Real Estate, Estate, Criminal, Banking & Finance
Status:  In Good Standing           
CONTACT
1430 Balltown Rd, Schenectady, NY 12309
Profile LAWPOINTS™34/100
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Cristine Cioffi

Tax, Estate Planning, Estate, Civil & Human Rights
Status:  In Good Standing           Licensed:  46 Years
CONTACT
1473 Erie Blvd, Schenectady, NY 12305
Profile LAWPOINTS™34/100
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John Robert Massaroni

Immigration, Criminal, Personal Injury, Accident & Injury
Status:  In Good Standing           Licensed:  45 Years
CONTACT
670 Franklin St, Schenectady, NY 12305
Profile LAWPOINTS™34/100
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Amy Herter Robinson

Education, Immigration, Estate Planning, Wrongful Termination
Status:  In Good Standing           
CONTACT
1473 Erie Blvd, Schenectady, NY 12305
Profile LAWPOINTS™34/100
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LEGAL TERMS

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)
A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

UNSECURED DEBT

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only reme... (more...)
A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only remedy is to sue you and get a judgment. Compare secured debt.

LIMITED LIABILITY

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or ... (more...)
The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or a person who invests in a corporation (a shareholder) generally stands to lose only the amount of money invested in the business. This means that if the business folds, creditors cannot seize or sell an owner's home, car, or other personal assets.

WORKOUT

A debtor's plan to take care of a debt, by paying it off or through loan forgiveness. Workouts are often created to avoid bankruptcy or foreclosure proceedings.

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.

CREDIT FILE

See credit report.

FCBA

See Fair Credit Billing Act.

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.

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.

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