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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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Jerome J. Ghigliotti

Administrative Law, Dispute Resolution, Collection, Commercial Leasing

Status: In Good Standing

FREE CONSULTATION

CONTACT

870 Market Street, San Francisco, CA 94102

Rechtsanwalt Holger Siegwart

Arbitration, International, Corporate, Collection

Status: In Good Standing

CONTACT

1799 Bayshore Highway, Burlingame, CA 94010

Catherine P. Johnson

Litigation, Election & Political, Insurance, Collection

Status: In Good Standing

CONTACT

700 Airport Boulevard, Burlingame, CA 94010

Jon Erik Heath

Motor Vehicle, Collection, Commercial Banks, Credit & Debt

Status: In Good Standing Licensed: 15 Years

CONTACT

369 Pine St, San Francisco, CA 94104

Lisa Jane Espada

Litigation, Credit & Debt, Collection, Bankruptcy

Status: In Good Standing

CONTACT

100 Pine St, San Francisco, CA 94111

Daniel D Geoulla

Insurance, Collection, Products Liability, Medical Malpractice

Status: In Good Standing

CONTACT

425 Market Street, San Francisco, CA 94105

Stephen Benda

Tax, Collection, Bankruptcy & Debt, Accident & Injury

Status: In Good Standing Licensed: 38 Years

CONTACT

750 Menlo Avenue, Menlo Park, CA 94025

Sally Elkington

Bankruptcy & Debt, Bankruptcy, Collection, Credit & Debt

FREE CONSULTATION

CONTACT

409 13Th Street, Oakland, CA 94612

Elizabeth Treas Erhardt

Landlord-Tenant, Collection

Status: In Good Standing Licensed: 11 Years

CONTACT

100 Pine Street, San Francisco, CA 94111

Eric Boeing

Credit & Debt, Collection, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

FREE CONSULTATION

CONTACT

1300 Clay St, Ste 600, Oakland, CA 94612

800-923-0641

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LEGAL TERMS

ACCORD AND SATISFACTION

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collectin... (more...)

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collecting as much money as they can from debtors who cannot pay the full amount.

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.'

GUARANTEED RESERVATION

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehic... (more...)

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehicle for you no matter when you show up. If you have a guaranteed reservation with a hotel, it must provide you with a room, either at that hotel or at another comparable establishment. If you have a guaranteed reservation with a car agency, it must provide you with a vehicle. The downside of a guaranteed reservation is that if you don't show up and haven't cancelled your reservation, you will be billed for one night in the room or one day's use of the vehicle.

FCRA

See Fair Credit Reporting Act.

DEBIT CARD

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can ... (more...)

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can also be used at stores to pay for goods and services in place of a check. Unlike a credit card, a debit card automatically withdraws money from your checking account at the time of the transaction. Debit cards are regulated by the Electronic Funds Transfer Act.

DOING BUSINESS AS (DBA)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or ... (more...)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or similar document with the appropriate agency -- for example, the county clerk. This enables consumers to discover the names of the business owners, which is important if a consumer needs to sue the business.

NUISANCE FEES

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fe... (more...)

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fees, inactivity fees and fees for not carrying a balance from month to month. It's best to shop around and get rid of cards that have these fees attached.

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

SUBROGATION

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off i... (more...)

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off its injured claimant takes the legal rights the claimant has against a third party that caused the injury, and sues that third party.

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Millbrae Collection Lawyer, California

Sponsored Law Firm

Armas & Joseph, APLC

SPONSORED LAWYERS

Jerome J. Ghigliotti

Rechtsanwalt Holger Siegwart

Catherine P. Johnson

Jon Erik Heath

Lisa Jane Espada

Daniel D Geoulla

Stephen Benda

Sally Elkington

Elizabeth Treas Erhardt

Eric Boeing

TIPS

LEGAL TERMS

ACCORD AND SATISFACTION

LOSS DAMAGE WAIVER (LDW)

GUARANTEED RESERVATION

FCRA

DEBIT CARD

DOING BUSINESS AS (DBA)

NUISANCE FEES

CURRENT MONTHLY INCOME

SUBROGATION

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