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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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James Zakasky

Foreclosure, Corporate, Collection, Bankruptcy

Status: In Good Standing

FREE CONSULTATION

CONTACT

50 Santa Rosa Avenue, Santa Rosa, CA 95404

Scott C. Cadieux

Construction, Energy, Contract, Collection

Status: In Good Standing Licensed: 25 Years

CONTACT

2100 S McDowell Boulevard Ext, Petaluma, CA 94954

Todd Joseph Wenzel

Education, Landlord-Tenant, Real Estate, Wrongful Termination, Collection

Status: In Good Standing Licensed: 32 Years

CONTACT

4225 Solano Ave, Napa, CA 94558

Joseph Patrick Thompson

Transportation & Shipping, Motor Vehicle, DUI-DWI, Collection, Credit & Debt

Status: In Good Standing Licensed: 45 Years

CONTACT

952 School Street, Napa, CA 94559

Amanda Marie Howell

Commercial Real Estate, Collection, Consumer Bankruptcy, Bankruptcy

Status: In Good Standing Licensed: 13 Years

CONTACT

525 E Cotati Ave, Rohnert Park, CA 94931

Deborah Durr Ferras

Family Law, Guardianships & Conservatorships, Adoption, Collection

Status: In Good Standing Licensed: 33 Years

CONTACT

300 Tuolumne St, American Canyon, CA 94590

Barry Michael Shapiro

Domestic Violence & Neglect, Identity Theft, Children's Rights, Securities Fraud , Collection

Status: In Good Standing Licensed: 12 Years

CONTACT

355 Tuolumne St, Vallejo, CA 94590

Steven Michael Fink

Education, Litigation, Employee Rights, Collection

Status: In Good Standing

CONTACT

6544 Pine Valley Dr, Santa Rosa, CA 95409

Carmen I Julia Dunbar

Tax, Immigration, Collection

Status: In Good Standing Licensed: 17 Years

CONTACT

4733 Mangels Blvd, Fairfield, CA 94534

Stewart Ransom Miller

Commercial Real Estate, Real Estate, Collection, Consumer Bankruptcy

Status: In Good Standing

CONTACT

217 Oneil Cir, Hercules, CA 94547

800-923-0641

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LEGAL TERMS

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.

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.

UNDUE HARDSHIP

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in t... (more...)

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in the future to pay off the loan may be able to show that repayment would be an undue hardship.

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

DISCHARGEABLE DEBTS

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bill... (more...)

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bills and medical bills. Compare nondischargeable debts.

CYBERSQUATTING

Buying a domain name that reflects the name of a business or famous person with the intent of selling the name back to the business or celebrity for a profit. T... (more...)

Buying a domain name that reflects the name of a business or famous person with the intent of selling the name back to the business or celebrity for a profit. The Anticybersquatting Consumer Protection Act of 1999 authorizes a cybersquatting victim to file a federal lawsuit to regain a domain name or sue for financial compensation. Under the act, registering, selling or using a domain name with the intent to profit from someone else's good name is considered cybersquatting. Victims of cybersquatting can also use the provisions of the Uniform Domain Name Dispute Resolution Policy adopted by ICANN, an international tribunal administering domain names. This international policy results in arbitration of the dispute, not litigation.

FDCPA

See Fair Debt Collections & Practices 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.

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.

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Sonoma Collection Lawyer, California

Sponsored Law Firm

Armas & Joseph, APLC

SPONSORED LAWYERS

James Zakasky

Scott C. Cadieux

Todd Joseph Wenzel

Joseph Patrick Thompson

Amanda Marie Howell

Deborah Durr Ferras

Barry Michael Shapiro

Steven Michael Fink

Carmen I Julia Dunbar

Stewart Ransom Miller

TIPS

LEGAL TERMS

GUARANTEED RESERVATION

DEBIT CARD

UNDUE HARDSHIP

LIEN

DISCHARGEABLE DEBTS

CYBERSQUATTING

FDCPA

DOING BUSINESS AS (DBA)

INTEREST

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