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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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Craig Eugene Dwyer

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Bankruptcy & Debt, Credit & Debt, Collection, Trusts, Wills & Probate

Craig E. Dwyer, Esq., has represented both debtors and creditors in Chapter 7, 11 and 13 Bankruptcy Cases in San Diego, Orange, Los Angeles and Rivers... (more)

FREE CONSULTATION

CONTACT

800-486-2210

8745 Aero Drive, Suite 301, San Diego, CA 92123

Maria J. Nu ez

Animal Bite, Criminal, Bankruptcy, Collection

Status: In Good Standing

FREE CONSULTATION

CONTACT

1350 Columbia Street, San Diego, CA 92101

George Albert Alspaugh

Litigation, Trusts, Business Organization, Collection

Status: In Good Standing Licensed: 30 Years

CONTACT

275 E Douglas Ave, El Cajon, CA 92020

Barbara Louise Davis

Landlord-Tenant, Child Custody, DUI-DWI, Collection

Status: In Good Standing Licensed: 43 Years

CONTACT

152 W Park Ave, El Cajon, CA 92020

Jamie Lyn Handrick

Landlord-Tenant, Real Estate, Contract, Collection

Status: In Good Standing Licensed: 23 Years

CONTACT

8220 University Ave, La Mesa, CA 91942

Kerry Denton

Credit & Debt, Collection, Bankruptcy, Bankruptcy & Debt

FREE CONSULTATION

CONTACT

231 4th Ave, Chula Vista, CA 91910

Michael George Vlachos

Employment, Civil Rights, Collection, Bankruptcy & Debt

Status: In Good Standing Licensed: 13 Years

CONTACT

9088 W Bluff Pl, Santee, CA 92071

Michael George Vlachos

Intellectual Property, Estate, Civil Rights, Collection

Status: In Good Standing Licensed: 13 Years

CONTACT

9088 W Bluff Pl, Santee, CA 92071

Michael Vlachos

Intellectual Property, DUI-DWI, Civil Rights, Collection

Status: In Good Standing Licensed: 13 Years

CONTACT

9088 W Bluff Pl, Santee, CA 92071

James Richard Robertson

Litigation, Lawsuit & Dispute, Consumer Protection, Collection

Status: In Good Standing Licensed: 25 Years

CONTACT

4025 Camino Del Rio South, San Diego, CA 92108

800-923-0641

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LEGAL TERMS

CREDIT BUREAU

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit... (more...)

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit card companies that use the information to screen applicants for loans and credit cards. There are three major credit bureaus, Equifax, Experian and Trans Union, and they are regulated by the federal Fair Credit Reporting Act.

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

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.

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.

BANKRUPTCY

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are ... (more...)

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are two types of bankruptcies -- liquidation, in which your debts are wiped out (discharged) and reorganization, in which you provide the court with a plan for how you intend to repay your debts. For both consumers and business, liquidation bankruptcy is called Chapter 7. For consumers, reorganization bankruptcy is called Chapter 13. Reorganization bankruptcy for consumers with an extraordinary amount of debt and for businesses is called Chapter 11. Reorganization bankruptcy for family farmers is called Chapter 12.

SECURED DEBT

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collater... (more...)

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collateral, to satisfy the debt if you default. Compare unsecured debt.

NONEXEMPT PROPERTY

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typicall... (more...)

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typically includes valuable clothing (furs) and electronic equipment, an expensive car that's been paid off and most of the equity in your house. Compare exempt property.

LIQUIDATING PARTNER

The member of an insolvent or dissolving partnership responsible for paying the debts and settling the accounts of the partnership.

HOUSEHOLDER

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a ho... (more...)

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a homestead exemption and possibly other exemptions relating to the maintenance of the household.

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Potrero Collection Lawyer, California

Sponsored Law Firm

Armas & Joseph, APLC

SPONSORED LAWYERS

Craig Eugene Dwyer

Maria J. Nu ez

George Albert Alspaugh

Barbara Louise Davis

Jamie Lyn Handrick

Kerry Denton

Michael George Vlachos

Michael George Vlachos

Michael Vlachos

James Richard Robertson

TIPS

LEGAL TERMS

CREDIT BUREAU

MEETING OF CREDITORS

CREDIT INSURANCE

CHAPTER 13 PLAN

BANKRUPTCY

SECURED DEBT

NONEXEMPT PROPERTY

LIQUIDATING PARTNER

HOUSEHOLDER

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