Waccabuc Bankruptcy & Debt Lawyer, New York

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Jesus Cachaya
About | Practice Areas
Osorio Cachaya Law Offices, PLLC
203 E Post Rd 1st Floor White Plains, NY 10601» view map
Accident & Injury, Criminal, Family, Immigration
Experienced Legal Assistance!

Osorio Cachaya Law Offices, PLLC is a family-owned law office that has been offering a team approach to legal issues since 1999.Se Hablamos Espanol

800-318-9750
1. Jesus Cachaya White Plains, NY
  Attorney at Law- NY
  Capital University Law School, JD 2008
2. AboutOsorio Cachaya Law Offices, PLLC
  Experienced Legal Assistance!
3. Practice AreasExpertise
  Accident & Injury
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Kevin James Burke

Bankruptcy & Debt

Status: Licensed: 15 Years

CONTACT

81 E Ridge Rd, Waccabuc, NY 10597

Leslie Anne Simon

Other, Industry Specialties, Venture Capital, Bankruptcy & Debt, Government

Status: Licensed: 46 Years

CONTACT

787 Route 35, Cross River, NY 10518

Jeffrey Joseph Weinsten

Contract, Corporate, Government Contract, Bankruptcy & Debt

Status: Licensed: 57 Years

CONTACT

North Salem, NY 10560

David L. Tillem

Government, Criminal, Business, Bankruptcy & Debt

Status:

CONTACT

145 Todd Rd, Katonah, NY 10536

Richard Lewis Koral

Lawsuit & Dispute, Business, Bankruptcy & Debt

Status: Licensed: 46 Years

CONTACT

180 Ridgefield Ave, South Salem, NY 10590

Linda A. Strumpf

Lawsuit & Dispute, Consumer Rights, Bankruptcy & Debt

Status: Licensed: 49 Years

CONTACT

69 Fox Run, South Salem, NY 10590

Denis J. Timone

International, Divorce & Family Law, Bankruptcy & Debt

Status: Licensed: 57 Years

CONTACT

384 Route 202, Somers, NY 10589

George J. Calcagnini

International, Divorce & Family Law, Bankruptcy & Debt

Status: Licensed: 46 Years

CONTACT

376 Route 202, Somers, NY 10589

Alesia Ranney-marinelli

Real Estate, Bankruptcy & Debt

Status: Licensed: 47 Years

CONTACT

99 Mount Holly Road, Katonah, NY 10536

Leonard Frank Quartaro

Bankruptcy & Debt, Criminal, Credit & Debt

Status: Licensed: 30 Years

CONTACT

35B Heritage Hls, Somers, NY 10589

800-814-6700

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800-943-8690

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LEGAL TERMS

COLLATERAL

Property that guarantees payment of a secured debt.

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.

NUISANCE FEES

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fe... (more...)

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fees, inactivity fees and fees for not carrying a balance from month to month. It's best to shop around and get rid of cards that have these fees attached.

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.

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.

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

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.

SECRET WARRANTY PROGRAM

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid... (more...)

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid a recall and the accompanying bad press. Secret warranties are rarely advertised by the manufacturer, so consumers must pursue the manufacturer to discover and take advantage of them. A few states require manufacturers to notify car buyers when they adopt secret warranty programs.

BANKRUPTCY TRUSTEE

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is t... (more...)

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is to gather the debtor's nonexempt property, liquidate it and distribute it proportionally to her creditors. In a Chapter 13 case, the trustee's role is to receive the debtor's monthly payments and distribute them proportionally to her creditors.

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Waccabuc Bankruptcy & Debt Lawyer, New York

Sponsored Law Firm

Osorio Cachaya Law Offices, PLLC

SPONSORED LAWYERS

Kevin James Burke

Leslie Anne Simon

Jeffrey Joseph Weinsten

David L. Tillem

Richard Lewis Koral

Linda A. Strumpf

Denis J. Timone

George J. Calcagnini

Alesia Ranney-marinelli

Leonard Frank Quartaro

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LEGAL TERMS

COLLATERAL

DISPOSABLE INCOME

NUISANCE FEES

PREFERENCE

DOING BUSINESS AS (DBA)

LIEN

INTEREST

SECRET WARRANTY PROGRAM

BANKRUPTCY TRUSTEE

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