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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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Brian R. Goodwin

Commercial Banks, Commercial Real Estate, Credit & Debt, Motor Vehicle, Collection

Status: Licensed: 21 Years

CONTACT

97 Virginia Road, Buffalo, NY 14225

Charlotte Werner-Kohler

Commercial Real Estate, Civil & Human Rights, Collection, Household Mold

Status:

CONTACT

350 Main St, Buffalo, NY 14202

Daria Lynnette Pratcher

Commercial Real Estate, Real Estate, Business & Trade, Collection

Status: Licensed: 21 Years

CONTACT

37 Franklin St, Buffalo, NY 14202

David T Stephenson

Intellectual Property, Industry Specialties, Collection, Products Liability

Status: Licensed: 20 Years

CONTACT

1150 Maple Rd, Elma, NY 14059

Gerald Chiari

Collection

Status: Licensed: 53 Years

CONTACT

1440 Rand Building, Buffalo, NY 14203

Harold P. Bulan

Collection

Status: Licensed: 60 Years

CONTACT

93 Hidden Ridge Commons, Buffalo, NY 14221

James Michael Joyce

General Practice

Status: Licensed: 38 Years

CONTACT

4733 Transit Rd, Depew, NY 14043

Jennifer Volhard Schiffmacher

Family Law, Civil Rights, Collection, Personal Injury, Criminal

Status: Licensed: 26 Years

CONTACT

2350 N Forest Rd A, Getzville, NY 14068

Joseph J. Marusak

Patent, DUI-DWI, Collection, Products Liability

Status: Licensed: 43 Years

CONTACT

69 Delaware Ave, Buffalo, NY 14202

Joseph John Terranova

Consumer Protection, Civil Rights, Collection, Household Mold

Status: Licensed: 45 Years

CONTACT

2901 Bowen Rd, Elma, NY 14059

800-923-0641

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LEGAL TERMS

CHAPTER 7 BANKRUPTCY

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 b... (more...)

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 bankruptcy takes from three to six months, costs about $200, and commonly requires only one trip to the courthouse.

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.

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.

DEFINED CONTRIBUTION PLAN

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount ... (more...)

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount every month, or every year, for each employee. The employer usually pays a fixed percentage of an employee's wages or salary, although sometimes the amount is a fraction of the company's profits, with the size of each employee's pension share depending on the amount of wage or salary. Upon retirement, each employee's pension is determined by how much was contributed to the fund on behalf of that employee over the years, plus whatever earnings that money has accumulated as part of the investments of the entire pension fund.

FDCPA

See Fair Debt Collections & Practices Act.

FRATERNAL BENEFIT SOCIETY BENEFITS

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal socie... (more...)

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal societies that provide benefits. Also called benefit society, benevolent society or mutual aid association benefits. Under bankruptcy laws, these benefits are virtually always considered exempt property.

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily fu... (more...)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily funded by voluntary donations from the creditors that receive payments from debtors repaying their debts through that office. Despite this criticism, most CCCS counselors provide clients with thorough and neutral advice.

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.

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.

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Yorkshire Collection Lawyer, New York

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

Brian R. Goodwin

Charlotte Werner-Kohler

Daria Lynnette Pratcher

David T Stephenson

Gerald Chiari

Harold P. Bulan

James Michael Joyce

Jennifer Volhard Schiffmacher

Joseph J. Marusak

Joseph John Terranova

TIPS

LEGAL TERMS

CHAPTER 7 BANKRUPTCY

GRACE PERIOD

FAIR CREDIT REPORTING ACT (FCRA)

DEFINED CONTRIBUTION PLAN

FDCPA

FRATERNAL BENEFIT SOCIETY BENEFITS

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

PREFERENCE

MEANS TEST

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