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Jose Torres
About | Practice Areas
Torres Legal
129 Prospect St Passaic, NJ 07055» view map
Criminal Defense & Divorce and Family Law
Competent Legal Representation

Founded in 2005, Torres Legal is a Law Firm based in Passaic, NJ whose goal is to provide individuals in need with competent legal representation.

800-761-6810
1. Jose Torres Passaic, NJ
  Attorney at Law, NJ
  Florida Coastal School of Law, LL.M. 2003
2. AboutTorres Legal
  Competent Legal Representation
3. Practice AreasExpertise
  Criminal Defense & Divorce and Family Law
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Philip D. Stern

Class Action, Credit & Debt, Collection, Bankruptcy & Debt

Status: In Good Standing

CONTACT

697 Valley Street, Maplewood, NJ 07040

Arthur A. Povelones

Collection, Estate Planning, Family Law, Litigation

Status: In Good Standing Licensed: 29 Years

CONTACT

673 Morris Ave, Springfield, NJ 07081

Allen J. Barkin

Commercial Real Estate, Alimony & Spousal Support, Banking & Finance, Collection

Status: In Good Standing Licensed: 44 Years

CONTACT

1110 Springfield Road, Union, NJ 07083

Evelyn Akushie-Onyeani

Collection, Divorce, Criminal, Bankruptcy

Status: In Good Standing

CONTACT

76 South Orange Avenue, South Orange, NJ 07079

Leslie Stolbof Sinemus

Commercial Real Estate, Commercial Leasing, Corporate, Collection

Status: In Good Standing Licensed: 45 Years

CONTACT

76 South Orange Avenue, South Orange, NJ 07079

Alan J. Helfand

Litigation, Workout, Collection, Bankruptcy Litigation

Status: In Good Standing

CONTACT

150 Jfk Parkway, Short Hills, NJ 07078

Charles B. Turner

Corporate, Credit & Debt, Collection, Business

Status: In Good Standing

CONTACT

76 South Orange Avenue, South Orange, NJ 07079

Shmuel Klein

Bankruptcy & Debt, Consumer Bankruptcy, Collection, Credit & Debt

Status: In Good Standing

CONTACT

238 William Street, East Orange, NJ 07017

John F. Jennings

Computer Law, Aviation, Federal Trial Practice, Collection

Status: In Good Standing Licensed: 42 Years

CONTACT

Summit, NJ 07902

Aimee Jackson

Class Action, Collection, White Collar Crime, Family Law

Status: In Good Standing

CONTACT

34 Broad Street, Summit, NJ 07902

800-923-0641

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LEGAL TERMS

LOSS DAMAGE WAIVER (LDW)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it ofte... (more...)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it often duplicates coverage provided by the renter's regular car insurance and/or the credit card she uses to rent the car. Nevertheless, hard-sell practices by rental car agents often dupe people into buying LDWs they don't really need. LDW is also called 'collision damage waiver.'

SECURED DEBT

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collater... (more...)

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collateral, to satisfy the debt if you default. Compare unsecured debt.

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.

LIMITED PARTNERSHIP

A business structure that allows one or more partners (called limited partners) to enjoy limited personal liability for partnership debts while another partner ... (more...)

A business structure that allows one or more partners (called limited partners) to enjoy limited personal liability for partnership debts while another partner or partners (called general partners) have unlimited personal liability. The key difference between a general and limited partner concerns management decision making--general partners run the business, and limited partners, who are usually passive investors, are not allowed to make day-to-day business decisions. If they do, they risk being treated as general partners with unlimited personal liability.

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.

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.

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.

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.

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

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Vauxhall Collection Lawyer, New Jersey

Sponsored Law Firm

Torres Legal

SPONSORED LAWYERS

Philip D. Stern

Arthur A. Povelones

Allen J. Barkin

Evelyn Akushie-Onyeani

Leslie Stolbof Sinemus

Alan J. Helfand

Charles B. Turner

Shmuel Klein

John F. Jennings

Aimee Jackson

TIPS

LEGAL TERMS

LOSS DAMAGE WAIVER (LDW)

SECURED DEBT

CHAPTER 13 PLAN

LIMITED PARTNERSHIP

UNDUE HARDSHIP

GRACE PERIOD

CREDIT COUNSELING

BANKRUPTCY

MEETING OF CREDITORS

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