West Haverstraw Bankruptcy & Debt Lawyer, New York

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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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Frank J. Laperch

Bankruptcy & Debt

Status: In Good Standing

CONTACT

148 S Liberty Dr, Stony Point, NY 10980

Ari Joshua Stein

Other, Lawsuit & Dispute, Bankruptcy & Debt

Status: In Good Standing Licensed: 22 Years

CONTACT

1 Railroad Square, Haverstraw, NY 10927

Paul D. Feinstein

Real Estate, Lawsuit & Dispute, Estate, Bankruptcy & Debt

Status: In Good Standing Licensed: 57 Years

CONTACT

4 Oak Ct, Stony Point, NY 10980

Seth Howard Schlanger

Tax, Traffic, Collection

Status: In Good Standing Licensed: 45 Years

CONTACT

36 E Heritage Dr, New City, NY 10956

Mark S. Swartz

Bankruptcy & Debt

Status: In Good Standing Licensed: 38 Years

CONTACT

20 Squadron Blvd, New City, NY 10956

Richard J. Feinberg

International, Family Law, Divorce & Family Law, Bankruptcy & Debt

Status: In Good Standing Licensed: 56 Years

CONTACT

254 S Main St, New City, NY 10956

Keith Lane Miller

Criminal, Bankruptcy, Car Accident

Status: In Good Standing Licensed: 43 Years

CONTACT

New City, NY 10956

Howard Lawrence Mann

Federal Appellate Practice, Wills & Probate, Child Custody, Bankruptcy

Status: In Good Standing Licensed: 59 Years

CONTACT

10 Esquire Rd, New City, NY 10956

Isabel L. Becker

Industry Specialties, Business, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 55 Years

CONTACT

49 Maple Ave, New City, NY 10956

Stanley E. Zwillinger

Real Estate, Lawsuit & Dispute, Estate, Bankruptcy & Debt

Status: In Good Standing Licensed: 60 Years

CONTACT

54 Radcliff Dr, New City, NY 10956

800-923-0641

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LEGAL TERMS

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.

HOUSEHOLDER

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a ho... (more...)

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a homestead exemption and possibly other exemptions relating to the maintenance of the household.

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.

PRESUMED ABUSE

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means te... (more...)

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means test, the court will presume that the debtor has sufficient income to fund a Chapter 13 plan. In this situation, the debtor will not be allowed to proceed with a Chapter 7 bankruptcy unless the debtor can prove that he or she is not abusing the Chapter 7 bankruptcy remedy.

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

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.

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.

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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West Haverstraw Bankruptcy & Debt Lawyer, New York

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

Frank J. Laperch

Ari Joshua Stein

Paul D. Feinstein

Seth Howard Schlanger

Mark S. Swartz

Richard J. Feinberg

Keith Lane Miller

Howard Lawrence Mann

Isabel L. Becker

Stanley E. Zwillinger

TIPS

LEGAL TERMS

TRUTH IN LENDING ACT (TILA)

HOUSEHOLDER

CREDIT BUREAU

PRESUMED ABUSE

CREDIT REPORT

SETOFF

DOING BUSINESS AS (DBA)

PREFERENCE

DISPOSABLE INCOME

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