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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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Alex Kendall Ross

Construction, Trusts, Insurance, Credit & Debt

Status: In Good Standing Licensed: 23 Years

CONTACT

845 3Rd Ave, New York, NY 10022

Aradhana Sonali Carlson

Tax, Credit & Debt

Status: In Good Standing Licensed: 22 Years

CONTACT

599 Lexington Ave, New York, NY 10022

Alex Spizz

Reorganization, Bankruptcy, Credit & Debt, Bankruptcy Litigation

Status: In Good Standing Licensed: 51 Years

CONTACT

425 Park Avenue, New York, NY 10022

Richard Michael Kosnik

Venture Capital, International Other, Equine, Credit & Debt

Status: In Good Standing Licensed: 42 Years

CONTACT

222 East 41St Street, New York, NY 10017

Stephen Howard Finkelstein

Trusts, Civil Rights, Corporate, Credit & Debt

Status: In Good Standing Licensed: 58 Years

CONTACT

369 Lexington Ave, New York, NY 10017

Susan F. Balaschak

Business & Trade, Credit & Debt, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 39 Years

CONTACT

666 5th Ave, New York, NY 10103

Giorgio Bovenzi

Other, Banking & Finance, Credit & Debt, Bankruptcy & Debt

Status: In Good Standing Licensed: 29 Years

CONTACT

30 Rockefeller Plz, New York, NY 10112

Christopher G. Dorman

Banking & Finance, Merger & Acquisition, Lending, Credit & Debt

Status: In Good Standing Licensed: 34 Years

CONTACT

620 8Th Avenue, New York, NY 10018

Jennifer Lauren Saffer

Bankruptcy, Credit & Debt, Litigation, Military & Veterans Appeals

Status: In Good Standing Licensed: 29 Years

CONTACT

450 Fashion Ave, New York, NY 10123

Eric Phillip Schutzer

Litigation, Health Care Other, Business, Credit & Debt

Status: In Good Standing

CONTACT

330 7Th Ave, New York, NY 10001

800-923-0641

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LEGAL TERMS

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).

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

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.

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

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.

C CORPORATION

Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S c... (more...)

Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S corporation, whose profits are passed through to shareholders and taxed on their personal returns under subchapter S of the Internal Revenue Code.

NONDISCHARGEABLE DEBTS

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chap... (more...)

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chapter 13 bankruptcy, the nondischargeable debts will have to be paid in full during your plan or you will have a balance at the end of your case. Examples of nondischargeable debts include alimony and child support, most income tax debts, many student loans and debts for personal injury or death caused by drunk driving. Compare dischargeable debts.

FCRA

See Fair Credit Reporting Act.

SAMPLE LEGAL CASES

COLLINS FIN. v. Vigilante

... Such a system is not tolerable in regard to credit card and other consumer credit debt cases where items such as the interest rate, late payment charge, and over-the-limit fees may change several times over the course of the consumer credit agreement. ...

Grasso v. Grasso

... 765 The husband also correctly contends that the Supreme Court improvidently exercised its discretion by, in effect, holding him responsible for 100% of the credit card obligations that constitute the parties' marital debt as well as all the marital debt that was solely in the wife's ...

PRA III LLC v. Gonzalez

... agreement to extend credit to the defendant, the issuance of credit cards at the defendant's address, his use of credit cards, his ... Moreover, the plaintiff submitted no evidence demonstrating the defendant's intention to pay the alleged debt (see General Obligations Law Â§ 17-101 ...

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Woodside Credit & Debt Lawyer, New York, page 4

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

Alex Kendall Ross

Aradhana Sonali Carlson

Alex Spizz

Richard Michael Kosnik

Stephen Howard Finkelstein

Susan F. Balaschak

Giorgio Bovenzi

Christopher G. Dorman

Jennifer Lauren Saffer

Eric Phillip Schutzer

TIPS

LEGAL TERMS

CREDIT REPORT

MEANS TEST

IRS EXPENSES

CREDIT INSURANCE

REDEMPTION

SECRET WARRANTY PROGRAM

C CORPORATION

NONDISCHARGEABLE DEBTS

FCRA

SAMPLE LEGAL CASES

COLLINS FIN. v. Vigilante

Grasso v. Grasso

PRA III LLC v. Gonzalez

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