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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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Alexander John Wueste

Immigration, Criminal, Collection, Science, Technology & Internet

Status: In Good Standing Licensed: 12 Years

CONTACT

1001 N Shoreline Blvd, Mountain View, CA 94043

Allison Amy Krumhorn

Commercial Real Estate, Motor Vehicle, Credit & Debt, Collection

Status: In Good Standing Licensed: 22 Years

CONTACT

2021 The Alameda, Alviso, CA 95126

Bob Camors

Contract, Collection, Malpractice, Identity Theft

Status: In Good Standing

CONTACT

50 West San Fernando Street, San Jose, CA 95113

Caralisa Pollard Hughes

Mediation, International, Family Law, Collection

Status: In Good Standing Licensed: 56 Years

CONTACT

2542 S Bascom Ave, Campbell, CA 95008

Christopher Walter Dull

Trusts, Family Law, Divorce & Family Law, Business, Collection

Status: In Good Standing

CONTACT

777 N 1St St, San Jose, CA 95112

Hsiang-Yu Liu

Trusts, Gift Taxation, Estate, Collection

Status: In Good Standing Licensed: 13 Years

CONTACT

70 S 1St St, Alviso, CA 95113

Jeffrey Paul Widman

Real Estate, Business, Collection, Wrongful Death

Status: In Good Standing Licensed: 51 Years

CONTACT

101 Race St, San Jose, CA 95126

Jennifer Ann Mello

Family Law, Divorce, Divorce & Family Law, Collection

Status: In Good Standing

CONTACT

1055 Minnesota Ave, Alviso, CA 95125

John Frederick Bradley

Contract, Business, Credit & Debt, Collection, Personal Injury

Status: In Good Standing

CONTACT

28 N 1st St, San Jose, CA 95113

John Francis Ruzzo

Trusts, Employment, Insurance, Collection

Status: In Good Standing Licensed: 53 Years

CONTACT

1588 Homestead Rd, Santa Clara, CA 95050

800-923-0641

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LEGAL TERMS

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemp... (more...)

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemptible because it has been damaged or destroyed.

BULK SALES LAW

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to ... (more...)

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to conduct a bulk sale of business assets -- that is, get rid of an unusually large amount of inventory, merchandise or equipment -- the business owner must typically publish a notice of the sale and give written notice to creditors. Then, the owner must set up an account to hold the funds from the sale for a brief period of time during which creditors may make claims against the money. The prohibition against bulk sales is spelled out in the Uniform Commercial Code -- and laws modeled on the UCC have been generally adopted throughout the country.

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.

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.

CREDIT COUNSELING

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Unde... (more...)

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Under the new bankruptcy law, a debtor must undergo credit counseling with an approved provider before filing for bankruptcy.

NO-FAULT INSURANCE

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain ... (more...)

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain amount, regardless of who was at fault. The effect of no-fault insurance laws is to eliminate lawsuits in small accidents. The advantage is the prompt payment of medical bills and expenses. The downsides are that the amounts paid by no-fault policies are often not enough to fully cover a person's losses and that no-fault does not compensate for pain and suffering.

FCRA

See Fair Credit Reporting Act.

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

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Santa Clara Collection Lawyer, California

Sponsored Law Firm

Armas & Joseph, APLC

SPONSORED LAWYERS

Alexander John Wueste

Allison Amy Krumhorn

Bob Camors

Caralisa Pollard Hughes

Christopher Walter Dull

Hsiang-Yu Liu

Jeffrey Paul Widman

Jennifer Ann Mello

John Frederick Bradley

John Francis Ruzzo

TIPS

LEGAL TERMS

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

BULK SALES LAW

MEETING OF CREDITORS

IRS EXPENSES

CREDIT COUNSELING

NO-FAULT INSURANCE

FCRA

FAIR CREDIT BILLING ACT (FCBA)

GARNISHMENT

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