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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

FREE CONSULTATION

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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

Janis Kay Stocks

Mediation, Family Law, Child Custody, Collection

Status: In Good Standing

CONTACT

3033 5Th Ave, San Diego, CA 92103

Douglas Alan Schwaebe

Child Custody, Consumer Protection, Collection

Status: In Good Standing Licensed: 48 Years

CONTACT

2719 Granada Ave, San Diego, CA 92104

Lorenda S Stern

Divorce, Criminal, Collection, Bankruptcy & Debt

Status: In Good Standing Licensed: 16 Years

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1901 1St Ave, San Diego, CA 92101

Christopher Michael Brown

Litigation, Employee Rights, Corporate, Collection

Status: In Good Standing Licensed: 22 Years

CONTACT

8880 Rio San Diego Dr, San Diego, CA 92108

Stephen Guy Recordon

Motor Vehicle, Commercial Banks, Collection, Bankruptcy

Status: In Good Standing Licensed: 45 Years

CONTACT

225 Broadway Ave, San Diego, CA 92101

Casper John Rankin

Landlord-Tenant, Foreclosure, Collection, Bankruptcy & Debt

Status: In Good Standing Licensed: 27 Years

CONTACT

8880 Rio San Diego Dr, San Diego, CA 92108

David Edward Mcallister

Litigation, Collection, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 28 Years

CONTACT

8880 Rio San Diego Drive, San Diego, CA 92108

Robert Crawford Coates

Estate, Business, Collection

Status: In Good Standing Licensed: 54 Years

CONTACT

9888 Carroll Centre Rd, San Diego, CA 92126

800-923-0641

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LEGAL TERMS

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.

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.

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

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.'

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).

CREDITOR

A person or entity (such as a bank) to whom a debt is owed.

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).

FORBEARANCE

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily ... (more...)

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily postponing or reducing the borrower's payments.

CHAPTER 13 PLAN

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to ... (more...)

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to pay all mandatory debts -- for example, back child support, taxes, and mortgage arrearages -- as well as some or all unsecured, nonpriority debts, such as medical and credit card bills.

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National City Collection Lawyer, California

Sponsored Law Firm

Armas & Joseph, APLC

SPONSORED LAWYERS

Maria J. Nu ez

Kerry Denton

Janis Kay Stocks

Douglas Alan Schwaebe

Lorenda S Stern

Christopher Michael Brown

Stephen Guy Recordon

Casper John Rankin

David Edward Mcallister

Robert Crawford Coates

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LEGAL TERMS

TRUTH IN LENDING ACT (TILA)

FAIR CREDIT REPORTING ACT (FCRA)

COLLECTION AGENCY

LOSS DAMAGE WAIVER (LDW)

LIEN

CREDITOR

CREDIT REPORT

FORBEARANCE

CHAPTER 13 PLAN

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