Utica Bankruptcy & Debt Lawyer, New York

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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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Michelle R. Gu

✓ VERIFIED

Immigration, Bankruptcy & Debt, Divorce & Family Law, Accident & Injury, Child Custody

I am Michelle Gu from Utica, NY. I am a wife, mother and attorney who tirelessly supports and defends my clients during the most difficult times. From... (more)

CONTACT

800-968-1650

239 Genesee St, Utica, NY 13501

Clifford Craig Eisenhut

Bankruptcy, Divorce & Family Law

Status: In Good Standing Licensed: 14 Years

CONTACT

25 Hopper Street, Utica, NY 13501

Peter M. Hobaica

Criminal, Bad Faith Insurance, Bankruptcy, Animal Bite

Status: In Good Standing Licensed: 17 Years

CONTACT

2045 Genesee St, Utica, NY 13501

Peter W. Hobaica

Estate Planning, Criminal, Bankruptcy, Medical Malpractice

Status: In Good Standing Licensed: 17 Years

CONTACT

2045 Genesee St, Utica, NY 13501

Peter Michael Hobaica

Estate, Criminal, Bankruptcy, Accident & Injury, Personal Injury

Status: In Good Standing Licensed: 37 Years

CONTACT

2045 Genesee St, Utica, NY 13501

Michael N. Kalil

Family Law, Business Organization, Banking & Finance, Collection, Child Custody

Status: In Good Standing Licensed: 35 Years

CONTACT

1602 Sunset Ave, Utica, NY 13502

J.K. Hage

Corporate, Communication & Media Law, Reorganization, Family Law

Status: In Good Standing

CONTACT

283 Genesee Street, Utica, NY 13501

Cindy Marie Domingue-Hendrickson

Credit & Debt, Landlord-Tenant, Social Security, Elder Law

Status: In Good Standing

CONTACT

120 Bleecker St, Utica, NY 13501

Michael James Laucello

Social Security -- Disability, Divorce, Bankruptcy, Personal Injury, Divorce & Family Law

Status: In Good Standing Licensed: 43 Years

CONTACT

40 Chenango Avenue, Clinton, NY 13323

800-923-0641

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LEGAL TERMS

CREDIT INSURANCE

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay o... (more...)

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay off the remaining balance. Federal and state consumer protection laws require the lender to disclose to existing and potential borrowers the terms and costs of obtaining credit insurance because it can affect the terms of the loan.

COLLATERAL

Property that guarantees payment of a secured debt.

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.

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.

TRADE DRESS

The distinctive packaging or design of a product that promotes the product and distinguishes it from other products in the marketplace -- for example, the shape... (more...)

The distinctive packaging or design of a product that promotes the product and distinguishes it from other products in the marketplace -- for example, the shape of Frangelico liqueur bottles. Trade dress can be protected under trademark law if a showing can be made that the average consumer would likely be confused as to product origin if another product were allowed to appear in similar dress.

CYBERSQUATTING

Buying a domain name that reflects the name of a business or famous person with the intent of selling the name back to the business or celebrity for a profit. T... (more...)

Buying a domain name that reflects the name of a business or famous person with the intent of selling the name back to the business or celebrity for a profit. The Anticybersquatting Consumer Protection Act of 1999 authorizes a cybersquatting victim to file a federal lawsuit to regain a domain name or sue for financial compensation. Under the act, registering, selling or using a domain name with the intent to profit from someone else's good name is considered cybersquatting. Victims of cybersquatting can also use the provisions of the Uniform Domain Name Dispute Resolution Policy adopted by ICANN, an international tribunal administering domain names. This international policy results in arbitration of the dispute, not litigation.

LIABILITY

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pi... (more...)

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pipe bursts the day after Paul installs it, ruining the bathroom floor. This raises the issue of liability: Who is responsible for the damage? Peri claims that Paul is responsible, and sues him for the cost of hiring another plumber to fix the pipe and replacing the floor. Paul, in turn, claims that the pipe manufacturer is responsible, because they supplied him with faulty materials. Both Peri and Paul must prove their claims in court; if Paul and/or the manufacturer is found liable, one or both will have to pay damages to Peri. (2) Something for which a person is liable. For example, a debt is often called a liability.

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.

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.

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Utica Bankruptcy & Debt Lawyer, New York

Sponsored Law Firm

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

SPONSORED LAWYERS

Michelle R. Gu

Clifford Craig Eisenhut

Peter M. Hobaica

Peter W. Hobaica

Peter Michael Hobaica

Michael N. Kalil

J.K. Hage

Cindy Marie Domingue-Hendrickson

Michael James Laucello

TIPS

LEGAL TERMS

CREDIT INSURANCE

COLLATERAL

SUBROGATION

CREDIT BUREAU

TRADE DRESS

CYBERSQUATTING

LIABILITY

CREDIT COUNSELING

DISPOSABLE INCOME

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