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Jeffrey Wilens
About | Practice Areas
Lakeshore Law Center
18340 Yorba Linda Blvd. Suite 107-610 Yorba Linda, CA 92886» view map
Consumer Rights Law
Attorney Jeffrey Wilens Will Fight for You

Dedicated to fighting fraud, false advertising and abuse by corporations – We stand for the “little guy” (and gal). Our clients are victims of wrongdoing throughout the US.

800-964-0820
1. Jeffrey Wilens Yorba Linda, CA
  Attorney at Law, CA
  Berkeley Boalt Hall School of Law, J.D. 1985
2. AboutLakeshore Law Center
  Attorney Jeffrey Wilens will Fight for You
3. Practice AreasExpertise
  Consumer Rights
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H W Martin

Credit & Debt

Status: In Good Standing Licensed: 20 Years

CONTACT

315 Main St, Watsonville, CA 95076

Warren E Eraut

Civil Rights, Corporate, Credit & Debt, Contract

Status: In Good Standing Licensed: 53 Years

CONTACT

38 Seascape Vlg, Aptos, CA 95003

Balam Osberto Letona

Motor Vehicle, Commercial Banks, Credit & Debt, Bankruptcy

Status: In Good Standing Licensed: 21 Years

CONTACT

1146 Soquel Ave, Santa Cruz, CA 95063

Gavin Elliot Kogan

Litigation, Contract, Credit & Debt, Bankruptcy

Status: In Good Standing Licensed: 26 Years

CONTACT

115 Cayuga St, Salinas, CA 93901

Melia J Powell

Real Estate, Elder Law, Civil & Human Rights, Credit & Debt

Status: In Good Standing Licensed: 16 Years

CONTACT

3 Williams Rd, Salinas, CA 93905

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 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.

FAIR LABOR STANDARDS ACT (FLSA)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements ... (more...)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements for overtime and places restrictions on child labor.

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.

SOLE PROPRIETORSHIP

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, m... (more...)

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, meaning that business profits are reported and taxed on the owner's personal tax return. Setting up a sole proprietorship is cheap and easy since no legal formation documents need be filed with any governmental agency (although tax registration and other permit and license requirements may still apply). Once you file a fictitious name statement (assuming you don't use your own name) and obtain any required basic tax permits and business licenses, you'll be in business. The main downside of a sole proprietorship is that its owner is personally liable for all business debts.

FORBEARANCE

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily ... (more...)

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily postponing or reducing the borrower's payments.

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.

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.

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

SAMPLE LEGAL CASES

Komarova v. National Credit Acceptance, Inc.

... This lawsuit arises from the efforts of defendant National Credit Acceptance, Inc., to collect a consumer debt from plaintiff Anastasiya Komarova that she did not owe. ... The plaintiffs there, like plaintiff here, were pursued for payment of a credit card debt they did not owe. ...

Dey v. Continental Central Credit

... K. Dey appeals a judgment of dismissal entered after the court sustained without leave to amend the demurrer of Continental Central Credit (Continental) and ... et seq.) Dey contends he stated a cause of action based on a fee defendants charged him to collect a debt he owed a ...

Liceaga v. Debt Recovery Solutions, LLC

... Despite her pleas to the agency that she was a victim of identity theft and had no Sprint account, they appear to have disbelieved her and ultimately reported her "default" to several credit reporting agencies, without advising that the debt was contested, thus harming her credit ...

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Freedom Credit & Debt Lawyer, California

Sponsored Law Firm

Lakeshore Law Center

SPONSORED LAWYERS

H W Martin

Warren E Eraut

Balam Osberto Letona

Gavin Elliot Kogan

Melia J Powell

TIPS

LEGAL TERMS

NONDISCHARGEABLE DEBTS

CREDIT BUREAU

FAIR LABOR STANDARDS ACT (FLSA)

MEETING OF CREDITORS

SOLE PROPRIETORSHIP

FORBEARANCE

MEANS TEST

401(K) PLAN

TRUTH IN LENDING ACT (TILA)

SAMPLE LEGAL CASES

Komarova v. National Credit Acceptance, Inc.

Dey v. Continental Central Credit

Liceaga v. Debt Recovery Solutions, LLC

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