Hercules Collection 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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Jerome J. Ghigliotti

Administrative Law, Dispute Resolution, Collection, Commercial Leasing

Status:

FREE CONSULTATION

CONTACT

870 Market Street, San Francisco, CA 94102

Deborah Durr Ferras

Family Law, Guardianships & Conservatorships, Adoption, Collection, Trusts

Status: Licensed: 33 Years

CONTACT

300 Tuolumne St, American Canyon, CA 94590

Eric Boeing

Credit & Debt, Collection, Bankruptcy, Bankruptcy & Debt

Status:

FREE CONSULTATION

CONTACT

1300 Clay St, Ste 600, Oakland, CA 94612

Vincent Wood

Bankruptcy, Collection, Credit & Debt, Reorganization

FREE CONSULTATION

CONTACT

1820 Bonanza Street, Walnut Creek, CA 94596

Sally Elkington

Bankruptcy & Debt, Bankruptcy, Collection, Credit & Debt

FREE CONSULTATION

CONTACT

409 13Th Street, Oakland, CA 94612

John Claassen

Civil Rights, Corporate, Administrative Law, Collection, Intellectual Property

Status: Licensed: 26 Years

CONTACT

1261 Locust St, Walnut Creek, CA 94596

Lisa Jane Espada

Litigation, Credit & Debt, Collection, Bankruptcy

Status:

CONTACT

100 Pine St, San Francisco, CA 94111

Chuck Marshall

Motor Vehicle, Collection, Credit & Debt, Class Action

Status:

CONTACT

2121 N. California Blvd., Walnut Creek, CA 94596

Daniel D Geoulla

Insurance, Collection, Products Liability, Medical Malpractice

Status:

CONTACT

425 Market Street, San Francisco, CA 94105

Carmen I Dunbar

Tax, Landlord-Tenant, Immigration, Collection

Status: Licensed: 15 Years

CONTACT

728 Texas St, Fairfield, CA 94534

800-923-0641

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800-943-8690

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LEGAL TERMS

SECRET WARRANTY PROGRAM

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid... (more...)

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid a recall and the accompanying bad press. Secret warranties are rarely advertised by the manufacturer, so consumers must pursue the manufacturer to discover and take advantage of them. A few states require manufacturers to notify car buyers when they adopt secret warranty programs.

CREDIT INSURANCE

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay o... (more...)

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay off the remaining balance. Federal and state consumer protection laws require the lender to disclose to existing and potential borrowers the terms and costs of obtaining credit insurance because it can affect the terms of the loan.

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.

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).

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

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.

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.

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

Hercules Collection Lawyer, California

Sponsored Law Firm

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

SPONSORED LAWYERS

Jerome J. Ghigliotti

Deborah Durr Ferras

Eric Boeing

Vincent Wood

Sally Elkington

John Claassen

Lisa Jane Espada

Chuck Marshall

Daniel D Geoulla

Carmen I Dunbar

TIPS

LEGAL TERMS

SECRET WARRANTY PROGRAM

CREDIT INSURANCE

INTEREST

LIEN

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

DISCHARGEABLE DEBTS

GUARANTEED RESERVATION

DISPOSABLE INCOME

CREDIT FILE

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