Hayward Bankruptcy & Debt Lawyer, California

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Lauren Pruett
About | Practice Areas
Gale, Angelo, Johnson & Pruett, P.C.
1430 Blue Oaks Blvd Suite 250 Roseville, CA 95747» view map
Bankruptcy & Debt Law
Results Driven Representation

Our mission is to give your real results in multiple practice areas including family law, bankruptcy, and consumer litigation.

800-988-9181
1. Lauren Pruett Roseville, CA
  Attorney at Law- CA, 2015
  McGeorge School of Law, J.D.
2. AboutGale, Angelo, Johnson & Pruett, P.C.
  Effective, Innovative, Results Driven Representation.
3. Practice AreasExpertise
  Bankruptcy & Debt Law
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Carl Gustafson

✓ VERIFIED

Bankruptcy & Debt

Carl R. Gustafson is a Certified Bankruptcy Law Specialist with the California Board of Legal Specialization! In 2003, Carl graduated from UCLA Mag... (more)

FREE CONSULTATION

CONTACT

800-722-6578

24301 Southland Dr., Hayward, CA 94545

Robert Chang

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Divorce & Family Law, Estate, Bankruptcy & Debt

I started my practice with the premise I would always attempt to facilitate a collaborative divorce. Before going to law school, I worked for several... (more)

CONTACT

510-388-4866

2016 Lewelling Blvd, San Leandro, CA 94579

Alexander H Lubarsky

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Immigration, Criminal, Bankruptcy, Divorce & Family Law, Civil & Human Rights

Mr. Lubarsky is an active member of the California Bar and has a law degree as well as a Master's degree in law. He has been in practice for over fift... (more)

FREE CONSULTATION

CONTACT

800-884-1821

2615 Middlefield Road, Redwood City, CA 94063

Darya S. Druch

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Bankruptcy & Debt, Landlord-Tenant, Foreclosure

Experienced Bankruptcy Lawyer

I have been a full time bankruptcy attorney since 1988 working in all fields of bankruptcy. My firm’s focus is on giving excellent and personalized ... (more)

FREE CONSULTATION

CONTACT

800-913-2581

One Kaiser Plaza, Oakland, CA 94612

Joseph B Angelo

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Bankruptcy & Debt, Bankruptcy, Bankruptcy Litigation, Consumer Bankruptcy

Joseph Angelo proudly serves the Bay Area including San Francisco, Contra Costa and Alameda Counties in Bankruptcy.

FREE CONSULTATION

CONTACT

800-827-7691

75 Broadway, San Francisco, CA 94111

Matthew M. Spielberg

Bankruptcy & Debt, Bankruptcy, Collection, Credit & Debt

Status: In Good Standing

CONTACT

21855 Redwood Road, Castro Valley, CA 94546

Cornell T. Solomon

Bankruptcy & Debt

Status: In Good Standing

FREE CONSULTATION

CONTACT

Murco Plaza, 39111 Paseo Padre Parkway, Fremont, CA 94538

James A. Pixton

Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

FREE CONSULTATION

CONTACT

1516 Oak Street, Alameda, CA 94501

Jeff D. Hoffman

Accident & Injury, Consumer Bankruptcy, Medical Malpractice, Car Accident, Collection

Status: In Good Standing

FREE CONSULTATION

CONTACT

825 Washington, Oakland, CA 94607

Calvin Dean Zamansky

Consumer Bankruptcy, Workout, Credit & Debt

Status: In Good Standing

CONTACT

540 Lennon Lane, Walnut Creek, CA 94598

800-923-0641

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LEGAL TERMS

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.

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.

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

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.

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.'

FRAUDULENT TRANSFER

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee --... (more...)

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee -- for instance, when a debtor signs a car over to a relative to keep it out of the bankruptcy estate. Fraudulently transferred property can be recovered and sold by the trustee for the benefit of the creditors.

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.

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.

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Hayward Bankruptcy & Debt Lawyer, California

Sponsored Law Firm

Gale, Angelo, Johnson & Pruett, P.C.

SPONSORED LAWYERS

Carl Gustafson

Robert Chang

Alexander H Lubarsky

Darya S. Druch

Joseph B Angelo

Matthew M. Spielberg

Cornell T. Solomon

James A. Pixton

Jeff D. Hoffman

Calvin Dean Zamansky

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LEGAL TERMS

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

CREDIT INSURANCE

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

IRS EXPENSES

ADMINISTRATIVE EXPENSES

LOSS DAMAGE WAIVER (LDW)

FRAUDULENT TRANSFER

COSIGNER

FAIR CREDIT REPORTING ACT (FCRA)

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