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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

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

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

Carmen I Julia Dunbar

Tax, Immigration, Collection

Status: In Good Standing Licensed: 17 Years

CONTACT

4733 Mangels Blvd, Fairfield, CA 94534

D. Douglas Shureen

Employment, Accident & Injury, Personal Injury, Discrimination, Collection

Status: In Good Standing Licensed: 38 Years

FREE CONSULTATION

CONTACT

50 Santa Rosa Ave, Santa Rosa, CA 95404

Deborah Durr Ferras

Family Law, Guardianships & Conservatorships, Adoption, Collection

Status: In Good Standing Licensed: 33 Years

CONTACT

300 Tuolumne St, American Canyon, CA 94590

Esther Lee Kim

Wills, Trusts, Estate Planning, Collection

Status: In Good Standing Licensed: 34 Years

CONTACT

838 Escobar St, Martinez, CA 94553

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

Mellanese Slaughter Lofton

Trusts, Estate, Civil Rights, Collection

Status: In Good Standing

CONTACT

836B Southampton Rd, Benicia, CA 94510

Paul Nelson Dane

Employee Rights, Family Law, Civil & Human Rights, Collection

Status: In Good Standing Licensed: 43 Years

CONTACT

1000 Court St, Martinez, CA 94553

800-923-0641

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LEGAL TERMS

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.

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.

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.

CREDIT FILE

See credit report.

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

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.'

LIQUIDATING PARTNER

The member of an insolvent or dissolving partnership responsible for paying the debts and settling the accounts of the partnership.

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.

S CORPORATION

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status fro... (more...)

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status from the Internal Revenue Service. Electing to do business as an S corporation lets shareholders enjoy limited liability status, as would be true of any corporation, but be taxed like a partnership or sole proprietor. That is, instead of being taxed as a separate entity (as would be the case with a regular or C corporation) an S corporation is a pass-through tax entity: income taxes are reported and paid by the shareholders, not the S corporation. To qualify as an S corporation a number of IRS rules must be met, such as a limit of 75 shareholders and citizenship requirements.

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Sonoma Collection Lawyer, California

Sponsored Law Firm

Armas & Joseph, APLC

SPONSORED LAWYERS

James Zakasky

Amanda Marie Howell

Barry Michael Shapiro

Carmen I Julia Dunbar

D. Douglas Shureen

Deborah Durr Ferras

Esther Lee Kim

Joseph Patrick Thompson

Mellanese Slaughter Lofton

Paul Nelson Dane

TIPS

LEGAL TERMS

MEETING OF CREDITORS

UNDUE HARDSHIP

CURRENT MONTHLY INCOME

CREDIT FILE

MEANS TEST

LOSS DAMAGE WAIVER (LDW)

LIQUIDATING PARTNER

CREDIT BUREAU

S CORPORATION

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