Hayward Credit & Debt Lawyer, California, page 3

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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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Ryan Cullen Wood

Trusts, Family Law, Contract, Credit & Debt

Status: In Good Standing Licensed: 17 Years

CONTACT

611 Veterans Blvd, Redwood City, CA 94063

Eric Boeing

Credit & Debt, Collection, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

FREE CONSULTATION

CONTACT

1300 Clay St, Ste 600, Oakland, CA 94612

Peter Mitchell Stanwyck

Construction, Internet, Corporate, Credit & Debt

Status: In Good Standing

CONTACT

311 2Nd St, Oakland, CA 94607

Ryan L. Dahm

Litigation, Credit & Debt, Bankruptcy, Insurance

Status: In Good Standing Licensed: 12 Years

CONTACT

1939 Harrison St, Oakland, CA 94612

Patrick Ray Kitchin

Employee Rights, Contract, Credit & Debt, Products Liability

Status: In Good Standing Licensed: 32 Years

CONTACT

1999 Harrison Street, Oakland, CA 94612

Suzy Rose Hatfield

Corporate, Banking & Finance, Business, Credit & Debt

Status: In Good Standing Licensed: 16 Years

CONTACT

500 Oracle Pkwy, Redwood City, CA 94065

Eric Kai-Him Shiu

Litigation, Science, Technology & Internet, Contract, Credit & Debt

Status: In Good Standing

CONTACT

830 Menlo Ave, Menlo Park, CA 94025

Thomas Michael Gaa

International, Contract, Credit & Debt, Bankruptcy

Status: In Good Standing

CONTACT

830 Menlo Ave, Menlo Park, CA 94025

Robert Gordon Padrick

Litigation, Contract, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 42 Years

CONTACT

961 Woodside Rd, Redwood City, CA 94061

Matthew Charles Baron

Federal Appellate Practice, Criminal, Insurance, Credit & Debt

Status: In Good Standing Licensed: 22 Years

CONTACT

Oakland, CA 94604

800-923-0641

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800-943-8690

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LEGAL TERMS

PRESUMED ABUSE

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means te... (more...)

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means test, the court will presume that the debtor has sufficient income to fund a Chapter 13 plan. In this situation, the debtor will not be allowed to proceed with a Chapter 7 bankruptcy unless the debtor can prove that he or she is not abusing the Chapter 7 bankruptcy remedy.

DEFINED CONTRIBUTION PLAN

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount ... (more...)

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount every month, or every year, for each employee. The employer usually pays a fixed percentage of an employee's wages or salary, although sometimes the amount is a fraction of the company's profits, with the size of each employee's pension share depending on the amount of wage or salary. Upon retirement, each employee's pension is determined by how much was contributed to the fund on behalf of that employee over the years, plus whatever earnings that money has accumulated as part of the investments of the entire pension fund.

AUTOMATIC STAY

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities,... (more...)

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities, such as filing or continuing lawsuits, making written requests for payment, or notifying credit reporting bureaus of an unpaid debt.

DEBT COLLECTOR

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe... (more...)

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe. Debt collectors can be relentless, often using scare tactics, humiliation and repeated phone calls to extract payments or promises to pay.

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.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

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.

CREDITOR

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

SAMPLE LEGAL CASES

Komarova v. National Credit Acceptance, Inc.

... This lawsuit arises from the efforts of defendant National Credit Acceptance, Inc., to collect a consumer debt from plaintiff Anastasiya Komarova that she did not owe. ... The plaintiffs there, like plaintiff here, were pursued for payment of a credit card debt they did not owe. ...

Dey v. Continental Central Credit

... K. Dey appeals a judgment of dismissal entered after the court sustained without leave to amend the demurrer of Continental Central Credit (Continental) and ... et seq.) Dey contends he stated a cause of action based on a fee defendants charged him to collect a debt he owed a ...

Liceaga v. Debt Recovery Solutions, LLC

... Despite her pleas to the agency that she was a victim of identity theft and had no Sprint account, they appear to have disbelieved her and ultimately reported her "default" to several credit reporting agencies, without advising that the debt was contested, thus harming her credit ...

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Hayward Credit & Debt Lawyer, California, page 3

Sponsored Law Firm

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

SPONSORED LAWYERS

Ryan Cullen Wood

Eric Boeing

Peter Mitchell Stanwyck

Ryan L. Dahm

Patrick Ray Kitchin

Suzy Rose Hatfield

Eric Kai-Him Shiu

Thomas Michael Gaa

Robert Gordon Padrick

Matthew Charles Baron

TIPS

LEGAL TERMS

PRESUMED ABUSE

DEFINED CONTRIBUTION PLAN

AUTOMATIC STAY

DEBT COLLECTOR

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

INTEREST

SETOFF

BANKRUPTCY

CREDITOR

SAMPLE LEGAL CASES

Komarova v. National Credit Acceptance, Inc.

Dey v. Continental Central Credit

Liceaga v. Debt Recovery Solutions, LLC

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