El Toro Collection Lawyer, California

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Andrei Armas
About | Practice Areas
Armas & Joseph, APLC
1712 West Beverly Blvd Suite 201 Montebello, CA 90640» view map
Consumer Rights and Collection
We Fight For You

No matter what type of legal support you are looking for, we have the resources and expertise to help.

800-675-3790
1. Andrei Armas Montebello, CA
  Attorney at Law- CA
  California Western School of Law, J.D. 2014
2. AboutArmas & Joseph, APLC
  We Fight For You
3. Practice AreasExpertise
  Consumer Rights
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Alyson Marie Dudkowski

Banking & Finance, Collection

Status: In Good Standing Licensed: 16 Years

CONTACT

3161 Michelson Dr, Irvine, CA 92612

Arash Shirdel

Bankruptcy & Debt, Employment, Lawsuit & Dispute, Business, Collection

Status: In Good Standing Licensed: 18 Years

FREE CONSULTATION

CONTACT

200 Sandpointe Ave, Santa Ana, CA 92707

Arnold L. Graff

Other, Lawsuit & Dispute, Collection, Bankruptcy & Debt

Status: In Good Standing Licensed: 15 Years

CONTACT

4665 Mac Arthur Court, Newport Coast, CA 92660

Arthur Roy Knowlson

Tax, Landlord-Tenant, Estate, Collection

Status: In Good Standing Licensed: 50 Years

CONTACT

19800 Macarthur Blvd, Irvine, CA 92612

Ben W. Pourcho

Bankruptcy & Debt, Collection, Accident & Injury

Status: In Good Standing Licensed: 16 Years

FREE CONSULTATION

CONTACT

2618 San Miguel Dr, Newport Beach, CA 92660

Boyd Lee Hill

Commercial Real Estate, Real Estate, Divorce, Collection

Status: In Good Standing Licensed: 35 Years

CONTACT

2030 Main St, Irvine, CA 92614

Brady Adam Price

Business & Trade, Contract, Prenuptial Agreements, Collection

Status: In Good Standing Licensed: 27 Years

CONTACT

28085 Via Unamuno, Mission Viejo, CA 92692

Brian A Bayati

Family Law, Divorce, Divorce & Family Law, Collection

Status: In Good Standing

CONTACT

4695 Macarthur Ct, Newport Coast, CA 92660

Brian Wade Smith

Real Estate, Lawsuit & Dispute, Employment, Collection

Status: In Good Standing Licensed: 29 Years

CONTACT

20 Pacifica, Irvine, CA 92618

Bruce Allan Wilson

Tax, Business & Trade, Collection, Bankruptcy

Status: In Good Standing Licensed: 31 Years

CONTACT

23046 Avenida De La Carlota, Laguna Hills, CA 92653

800-923-0641

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LEGAL TERMS

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.

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.

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.

WORKOUT

A debtor's plan to take care of a debt, by paying it off or through loan forgiveness. Workouts are often created to avoid bankruptcy or foreclosure proceedings.

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.

GUARANTEED RESERVATION

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehic... (more...)

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehicle for you no matter when you show up. If you have a guaranteed reservation with a hotel, it must provide you with a room, either at that hotel or at another comparable establishment. If you have a guaranteed reservation with a car agency, it must provide you with a vehicle. The downside of a guaranteed reservation is that if you don't show up and haven't cancelled your reservation, you will be billed for one night in the room or one day's use of the vehicle.

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

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.

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El Toro Collection Lawyer, California

Sponsored Law Firm

Armas & Joseph, APLC

SPONSORED LAWYERS

Alyson Marie Dudkowski

Arash Shirdel

Arnold L. Graff

Arthur Roy Knowlson

Ben W. Pourcho

Boyd Lee Hill

Brady Adam Price

Brian A Bayati

Brian Wade Smith

Bruce Allan Wilson

TIPS

LEGAL TERMS

DISPOSABLE INCOME

FAIR CREDIT REPORTING ACT (FCRA)

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

WORKOUT

TRUTH IN LENDING ACT (TILA)

GUARANTEED RESERVATION

CURRENT MONTHLY INCOME

COSIGNER

REDEMPTION

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