Woodland 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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Peter Warren Singer

Collection, Commercial Real Estate, Administrative Law

Status: In Good Standing Licensed: 37 Years

CONTACT

909 W 8Th St, San Diego, CA 92112

Stephen Michael Reynolds

Litigation, Reorganization, Collection, Consumer Bankruptcy, Commercial Bankruptcy

Status: In Good Standing Licensed: 34 Years

CONTACT

424 2nd St, Davis, CA 95616

Christine Harris Reysner

Criminal, Civil & Human Rights, Collection, Defamation & Slander

Status: In Good Standing Licensed: 25 Years

CONTACT

2701 Del Paso Rd, Sacramento, CA 95835

Barry H Spitzer

Lawsuit & Dispute, Collection, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 32 Years

CONTACT

2150 River Plaza Dr, Sacramento, CA 95833

Tanya Kim Harris

Estate, Civil Rights, Business, Collection

Status: In Good Standing Licensed: 10 Years

CONTACT

2945 Ramco St, West Sacramento, CA 95691

Linda Dianne Deos

Other, Credit & Debt, Collection, Bankruptcy

Status: In Good Standing Licensed: 29 Years

CONTACT

428 J Street, Sacramento, CA 95814

Ace Thomas Tate

Oil & Gas, Employee Rights, Contract, Collection

Status: In Good Standing Licensed: 16 Years

CONTACT

455 Capitol Mall, Sacramento, CA 95814

Jennifer Karin Tucker

Environmental Law Other, Employment, Elder Law, Insurance, Collection

Status: In Good Standing Licensed: 18 Years

CONTACT

901 G St, Sacramento, CA 95814

Casey Richard Newton

Environmental Law Other, Employment, Elder Law, Insurance, Collection

Status: In Good Standing Licensed: 24 Years

CONTACT

901 G St, Sacramento, CA 95814

Lauren Evelyn Miller

Environmental Law Other, Employment, Elder Law, Insurance, Collection

Status: In Good Standing Licensed: 24 Years

CONTACT

901 G St, Sacramento, CA 95814

800-923-0641

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LEGAL TERMS

NONDISCHARGEABLE DEBTS

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chap... (more...)

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chapter 13 bankruptcy, the nondischargeable debts will have to be paid in full during your plan or you will have a balance at the end of your case. Examples of nondischargeable debts include alimony and child support, most income tax debts, many student loans and debts for personal injury or death caused by drunk driving. Compare dischargeable debts.

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

TRADE NAME

The official name of a business, the one it uses on its letterhead and bank account when not dealing with consumers.

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

COLLATERAL

Property that guarantees payment of a secured debt.

CHAPTER 7 BANKRUPTCY

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 b... (more...)

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 bankruptcy takes from three to six months, costs about $200, and commonly requires only one trip to the courthouse.

FAIR CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

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.

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

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Woodland Collection Lawyer, California

Sponsored Law Firm

Armas & Joseph, APLC

SPONSORED LAWYERS

Peter Warren Singer

Stephen Michael Reynolds

Christine Harris Reysner

Barry H Spitzer

Tanya Kim Harris

Linda Dianne Deos

Ace Thomas Tate

Jennifer Karin Tucker

Casey Richard Newton

Lauren Evelyn Miller

TIPS

LEGAL TERMS

NONDISCHARGEABLE DEBTS

CREDIT REPORT

TRADE NAME

COSIGNER

COLLATERAL

CHAPTER 7 BANKRUPTCY

FAIR CREDIT REPORTING ACT (FCRA)

INTEREST

COLLECTION AGENCY

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