Scotts Valley Collection Lawyer, California

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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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Angel L. Hess

Real Estate Other, Wills & Probate, Divorce & Family Law, Collection

Status: In Good Standing Licensed: 10 Years

CONTACT

133 Mission Street, Santa Cruz, CA 95060

Lauren Therese Corman

Landlord-Tenant, Trusts, Gift Taxation, Estate Planning, Collection

Status: In Good Standing Licensed: 11 Years

CONTACT

740 Front St, Santa Cruz, CA 95060

Creighton Mendivil

Mediation, Divorce, Elder Law, Collection

Status: In Good Standing

CONTACT

314 Capitola Avenue, Capitola, CA 95010

Adron Gustav Beene

Government, Divorce & Family Law, Business, Collection

Status: In Good Standing Licensed: 10 Years

CONTACT

7960 Soquel Drive, Aptos, CA 95003

Miles K. Standish

Environmental Law, Child Custody, Felony, Collection

Status: In Good Standing Licensed: 10 Years

CONTACT

156 Franklin St, Santa Cruz, CA 95060

Robert C Kim

Federal, Employment Discrimination, Corporate, Collection

Status: In Good Standing Licensed: 28 Years

CONTACT

180 Westgate Dr, Watsonville, CA 95076

Robert Charles Kime

General Practice

Status: In Good Standing Licensed: 45 Years

CONTACT

180 Westgate Dr, Watsonville, CA 95076

Lily Ana Wentzien Sturgis

Traffic, Health Care, Collection

Status: In Good Standing Licensed: 15 Years

CONTACT

406 Main St, Watsonville, CA 95076

Michael David Millen

Litigation, Business, Collection, Defamation & Slander

Status: In Good Standing Licensed: 34 Years

CONTACT

119 Calle Marguerita, Los Gatos, CA 95032

Ashley Mchaffie Winn

Health Care, Unfair Competition, Antitrust, Collection

Status: In Good Standing

CONTACT

11 Colina Dr, Watsonville, CA 95076

800-923-0641

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800-943-8690

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LEGAL TERMS

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.

CREDITOR

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

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.

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

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.

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.

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

LIMITED LIABILITY

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or ... (more...)

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or a person who invests in a corporation (a shareholder) generally stands to lose only the amount of money invested in the business. This means that if the business folds, creditors cannot seize or sell an owner's home, car, or other personal assets.

Scotts Valley Collection Lawyer, California

Sponsored Law Firm

Armas & Joseph, APLC

SPONSORED LAWYERS

Angel L. Hess

Lauren Therese Corman

Creighton Mendivil

Adron Gustav Beene

Miles K. Standish

Robert C Kim

Robert Charles Kime

Lily Ana Wentzien Sturgis

Michael David Millen

Ashley Mchaffie Winn

TIPS

LEGAL TERMS

INTEREST

CREDITOR

CREDIT BUREAU

REDEMPTION

BULK SALES LAW

CREDIT INSURANCE

GRACE PERIOD

LIMITED LIABILITY

FDCPA

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