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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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Maria J. Nu ez

Animal Bite, Criminal, Bankruptcy, Collection

Status: In Good Standing

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1350 Columbia Street, San Diego, CA 92101

Kerry Denton

Credit & Debt, Collection, Bankruptcy, Bankruptcy & Debt

FREE CONSULTATION

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231 4th Ave, Chula Vista, CA 91910

Richard Phillip Miller

Traffic, Immigration, Criminal, Collection, Bankruptcy & Debt

Status: In Good Standing Licensed: 45 Years

CONTACT

San Diego, CA 92169

Douglas Alan Schwaebe

Child Custody, Consumer Protection, Collection

Status: In Good Standing Licensed: 48 Years

CONTACT

2719 Granada Ave, San Diego, CA 92104

Frederick Claire Phillips

Construction, Litigation, Contract, Business, Collection

Status: In Good Standing Licensed: 53 Years

CONTACT

605 C St, San Diego, CA 92101

Kerry Todd Curry

Real Estate, Industry Specialties, Business, Collection, Bankruptcy & Debt

Status: In Good Standing

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185 West F Street, San Diego, CA 92101

Daniel Ray Gamez

Landlord-Tenant, Consumer Rights, Credit & Debt, Consumer Bankruptcy, Collection

Status: In Good Standing Licensed: 23 Years

CONTACT

501 W Broadway, San Diego, CA 92101

Pamela Jean Scholefield

Construction, Litigation, Wills & Probate, Collection

Status: In Good Standing

CONTACT

501 West Broadway, San Diego, CA 92101

Dean Theodore Janis

Securities Fraud , Contract, Collection, Commercial Bankruptcy

Status: In Good Standing Licensed: 35 Years

CONTACT

550 W C St, San Diego, CA 92101

Jonathan Robert Zeko

General Practice

Status: In Good Standing Licensed: 35 Years

CONTACT

1331 India Street, San Diego, CA 92101

800-923-0641

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LEGAL TERMS

DISCHARGEABLE DEBTS

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bill... (more...)

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bills and medical bills. Compare nondischargeable debts.

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.

ADMINISTRATIVE EXPENSES

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Admi... (more...)

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Administrative costs are typically 10% of the debtor's total payments under the plan.

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

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.

401(K) PLAN

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income ... (more...)

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income taxes on the amount invested and any earnings are due until the employee withdraws money from the fund.

FCBA

See Fair Credit Billing Act.

TRADE NAME

The official name of a business, the one it uses on its letterhead and bank account when not dealing with consumers.

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

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National City Collection Lawyer, California

Sponsored Law Firm

Armas & Joseph, APLC

SPONSORED LAWYERS

Maria J. Nu ez

Kerry Denton

Richard Phillip Miller

Douglas Alan Schwaebe

Frederick Claire Phillips

Kerry Todd Curry

Daniel Ray Gamez

Pamela Jean Scholefield

Dean Theodore Janis

Jonathan Robert Zeko

TIPS

LEGAL TERMS

DISCHARGEABLE DEBTS

FAIR CREDIT REPORTING ACT (FCRA)

ADMINISTRATIVE EXPENSES

LIEN

CHAPTER 7 BANKRUPTCY

401(K) PLAN

FCBA

TRADE NAME

GUARANTOR

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