West Hempstead Bankruptcy & Debt Lawyer, New York, page 5

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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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Stephen J. Gassman

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

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666 Old Country Rd, Garden City, NY 11530

Vinson Jeffrey Friedman

Real Estate, Medicare & Medicaid, Business, Bankruptcy & Debt

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100 Garden City Plaza, Garden City, NY 11530

Edward Joseph Lobello

Government, Bankruptcy & Debt

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990 Stewart Ave, Garden City, NY 11530

Edward Anthony Fleck

Commercial Real Estate, Wills, Collection, Medical Malpractice

Status: Licensed: 42 Years

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1205 Franklin Ave, Garden City, NY 11530

Marc Loren Hamroff

Litigation, Banking & Finance, Business, Bankruptcy & Debt

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400 Garden City Plaza, Garden City, NY 11530

Thomas R. Slome

Lawsuit & Dispute, Industry Specialties, Business, Bankruptcy & Debt

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100 Quentin Roosevelt Blvd, Garden City, NY 11530

Miriam R. Milgrom

Real Estate, Government, Business, Bankruptcy & Debt

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100 Garden City Plaza, Garden City, NY 11530

Patricia Anne Fleck

Real Estate, Estate, Bankruptcy & Debt, Accident & Injury

Status: Licensed: 39 Years

CONTACT

1205 Franklin Ave, Garden City, NY 11530

Robert John Sparaco

Real Estate, Estate, Bankruptcy & Debt, Accident & Injury

Status: Licensed: 38 Years

CONTACT

1205 Franklin Ave, Garden City, NY 11530

Brian Patrick Craig

Military & Veterans Appeals, Commercial Real Estate, Litigation, Commercial Bankruptcy

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400 Garden City Plaza, Garden City, NY 11530

800-814-6700

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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.'

CREDIT FILE

See credit report.

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.

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.

FCBA

See Fair Credit Billing Act.

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.

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.

ACCORD AND SATISFACTION

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collectin... (more...)

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collecting as much money as they can from debtors who cannot pay the full amount.

FAIR CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

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West Hempstead Bankruptcy & Debt Lawyer, New York, page 5

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

Stephen J. Gassman

Vinson Jeffrey Friedman

Edward Joseph Lobello

Edward Anthony Fleck

Marc Loren Hamroff

Thomas R. Slome

Miriam R. Milgrom

Patricia Anne Fleck

Robert John Sparaco

Brian Patrick Craig

TIPS

LEGAL TERMS

LOSS DAMAGE WAIVER (LDW)

CREDIT FILE

INTEREST

DISPOSABLE INCOME

FCBA

SUBROGATION

DOING BUSINESS AS (DBA)

ACCORD AND SATISFACTION

FAIR CREDIT REPORTING ACT (FCRA)

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