St Albans Bankruptcy & Debt Lawyer, New York, page 6

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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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Judy Moses

Immigration, Divorce & Family Law, Criminal, Bankruptcy & Debt

Status: Licensed: 24 Years

CONTACT

11119 120Th St, South Ozone Park, NY 11420

Lawrence M. Flait

Industry Specialties, Estate, Business, Bankruptcy & Debt

Status: Licensed: 29 Years

CONTACT

6753 Cloverdale Ln, Oakland Gardens, NY 11364

Elisabeth Anne Vreeburg

International, Divorce & Family Law, Bankruptcy & Debt

Status: Licensed: 43 Years

CONTACT

12510 Queens Blvd, Kew Gardens, NY 11415

Yan Rong Yang

Bankruptcy

Status: Licensed: 9 Years

CONTACT

12510 Queens Blvd, Kew Gardens, NY 11415

Lisa Anne D'Agostino

Lawsuit & Dispute, Divorce, Bankruptcy & Debt, Accident & Injury, Health Care

Status: Licensed: 17 Years

CONTACT

12032 Queens Blvd, Kew Gardens, NY 11415

James W. Krah

Government, Divorce & Family Law, Criminal, Bankruptcy & Debt

Status: Licensed: 28 Years

CONTACT

12046 Queens Blvd, Kew Gardens, NY 11415

Richard N. Golden

Foreclosure, Immigration, Wills & Probate, Credit & Debt

Status: Licensed: 49 Years

CONTACT

11835 Queens Blvd, Forest Hills, NY 11375

Mark Akilov

Government, Criminal, Bankruptcy & Debt, Accident & Injury

Status: Licensed: 13 Years

CONTACT

14744 Jewel Ave, Flushing, NY 11367

Sidney Price

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

Status: Licensed: 71 Years

CONTACT

729 Sherwood St, Valley Stream, NY 11581

Michael M. Laufer

Immigration, Divorce & Family Law, Business, Bankruptcy & Debt

Status: Licensed: 50 Years

CONTACT

11325 Queens Blvd, Forest Hills, NY 11375

800-923-0641

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LEGAL TERMS

DOING BUSINESS AS (DBA)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or ... (more...)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or similar document with the appropriate agency -- for example, the county clerk. This enables consumers to discover the names of the business owners, which is important if a consumer needs to sue the business.

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.

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

CHAPTER 13 PLAN

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to ... (more...)

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to pay all mandatory debts -- for example, back child support, taxes, and mortgage arrearages -- as well as some or all unsecured, nonpriority debts, such as medical and credit card bills.

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

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.

REPOSSESSION

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and ... (more...)

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and has not attempted to work with the lender to resolve the problem. A repossessor can't use force to get at your car, but he can legally hot-wire it and even drive it out of your unlocked garage.

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

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St Albans Bankruptcy & Debt Lawyer, New York, page 6

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

Judy Moses

Lawrence M. Flait

Elisabeth Anne Vreeburg

Yan Rong Yang

Lisa Anne D'Agostino

James W. Krah

Richard N. Golden

Mark Akilov

Sidney Price

Michael M. Laufer

TIPS

LEGAL TERMS

DOING BUSINESS AS (DBA)

INTEREST

GRACE PERIOD

TRUTH IN LENDING ACT (TILA)

CHAPTER 13 PLAN

GARNISHMENT

CREDIT BUREAU

REPOSSESSION

MEANS TEST

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