Zamora Bankruptcy & Debt Lawyer, California

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Lauren Pruett
About | Practice Areas
Gale, Angelo, Johnson & Pruett, P.C.
1430 Blue Oaks Blvd Suite 250 Roseville, CA 95747» view map
Bankruptcy & Debt Law
Results Driven Representation

Our mission is to give your real results in multiple practice areas including family law, bankruptcy, and consumer litigation.

800-988-9181
1. Lauren Pruett Roseville, CA
  Attorney at Law- CA, 2015
  McGeorge School of Law, J.D.
2. AboutGale, Angelo, Johnson & Pruett, P.C.
  Effective, Innovative, Results Driven Representation.
3. Practice AreasExpertise
  Bankruptcy & Debt Law
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Justin C Lowenthal

Foreign Investment, Science, Technology & Internet, Corporate, Credit & Debt

Status: In Good Standing

CONTACT

777 F St, Davis, CA 95616

Matthew Scott Brenner

Commercial Real Estate, Construction, Estate Planning, Consumer Bankruptcy

Status: In Good Standing Licensed: 16 Years

CONTACT

2513 Rockwell Dr, Davis, CA 95618

Matthew Brenner

Commercial Real Estate, Construction, Estate Planning, Consumer Bankruptcy

Status: In Good Standing Licensed: 16 Years

CONTACT

2513 Rockwell Dr, Davis, CA 95618

Stephen Michael Reynolds

Litigation, Reorganization, Collection, Consumer Bankruptcy, Commercial Bankruptcy

Status: In Good Standing Licensed: 34 Years

CONTACT

424 2nd St, Davis, CA 95616

Craig Lundgren

Construction, Immigration, Wills & Probate, Bankruptcy

Status: In Good Standing

CONTACT

424 2Nd Street, Davis, CA 95616

800-923-0641

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LEGAL TERMS

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.

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.'

HOUSEHOLDER

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a ho... (more...)

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a homestead exemption and possibly other exemptions relating to the maintenance of the household.

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.

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.

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.

ADMINISTRATIVE EXPENSES

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Admi... (more...)

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Administrative costs are typically 10% of the debtor's total payments under the plan.

401(K) PLAN

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income ... (more...)

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income taxes on the amount invested and any earnings are due until the employee withdraws money from the fund.

AUTOMATIC STAY

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities,... (more...)

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities, such as filing or continuing lawsuits, making written requests for payment, or notifying credit reporting bureaus of an unpaid debt.

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Zamora Bankruptcy & Debt Lawyer, California

Sponsored Law Firm

Gale, Angelo, Johnson & Pruett, P.C.

SPONSORED LAWYERS

Justin C Lowenthal

Matthew Scott Brenner

Matthew Brenner

Stephen Michael Reynolds

Craig Lundgren

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LEGAL TERMS

FAIR CREDIT REPORTING ACT (FCRA)

LOSS DAMAGE WAIVER (LDW)

HOUSEHOLDER

REDEMPTION

COLLECTION AGENCY

INTEREST

ADMINISTRATIVE EXPENSES

401(K) PLAN

AUTOMATIC STAY

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