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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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Includes: Bankruptcy Litigation, Commercial Bankruptcy, Consumer Bankruptcy, Dissolution

Ashley Monique Deguzman

✓ VERIFIED

Bankruptcy, Divorce & Family Law, Estate, Lawsuit & Dispute, Real Estate

A graduate from McGeorge School of Law, with a Bachelors Degree in Biomedical Engineering, and extensive Real Estate experience, she is our resident e... (more)

CONTACT

916-501-0693

1117 2Nd St, Sacramento, CA 95814

Scott Matthew Johnson

✓ VERIFIED

Bankruptcy & Debt, Bankruptcy, Consumer Bankruptcy, Credit & Debt, Collection

Scott Johnson proudly serves Roseville, CA and Sacramento, CA in Bankruptcy and Consumer Litigation.

FREE CONSULTATION

CONTACT

800-988-9181

2999 Douglas Blvd, Roseville, CA 95661

Elliot W Gale

✓ VERIFIED

Bankruptcy & Debt, Bankruptcy, Consumer Bankruptcy, Bankruptcy Litigation, Credit & Debt

Hi! I'm Elliot W. Gale, I am a managing partner at Gale, Angelo, Johnson & Patrick, P.C. I graduated Magna Cum Laude from the University of Florida in... (more)

FREE CONSULTATION

CONTACT

800-956-5160

2999 Douglas Blvd, Roseville, CA 95661

Joseph B Angelo

✓ VERIFIED

Bankruptcy & Debt, Bankruptcy, Bankruptcy Litigation, Consumer Bankruptcy

Joseph Angelo proudly serves the Bay Area including San Francisco, Contra Costa and Alameda Counties in Bankruptcy.

FREE CONSULTATION

CONTACT

800-827-7691

2999 Douglas Blvd, Roseville, CA 95661

Simran Singh Sekhon

Business, Bankruptcy, Trademark, Contract, Wills & Probate

Simran Sekhon is a practicing lawyer in the state of California.

CONTACT

800-916-0881

18826 N Lower Sacramento Rd, Woodbridge, CA 95258

Berkeley Collins

Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

FREE CONSULTATION

CONTACT

1652 West Texas, Sacramento, CA 95825

W. Scott de Bie

Bankruptcy

Status: In Good Standing

CONTACT

1107 Second St., Sacramento, CA 95814

Gary Greule

Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

7011 Sylvan Ave., Citrus Heights, CA 95610

Brandon S. Johnston

Bankruptcy, Commercial Bankruptcy

Status: In Good Standing

FREE CONSULTATION

CONTACT

2281 Lava Ridge Court, Roseville, CA 95661

Stephen Johnson

Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

FREE CONSULTATION

CONTACT

13620 Lincoln Way, Auburn, CA 95603

800-923-0641

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800-943-8690

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LEGAL TERMS

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.

DOING BUSINESS AS (DBA)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or ... (more...)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or similar document with the appropriate agency -- for example, the county clerk. This enables consumers to discover the names of the business owners, which is important if a consumer needs to sue the business.

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.

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

WORKOUT

A debtor's plan to take care of a debt, by paying it off or through loan forgiveness. Workouts are often created to avoid bankruptcy or foreclosure proceedings.

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.

LIQUIDATING PARTNER

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

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

SAMPLE LEGAL CASES

Jaffe v. Pacelli

... ALDRICH, J. I. INTRODUCTION. In this case, the superior court entered a judgment against a debtor, Zenaida C. Pacelli (Pacelli), that included an award of attorney fees. Years later, Pacelli sought to discharge the debt in bankruptcy court. ... 2. The bankruptcy proceedings. ...

Imperial Merchant Services, Inc. v. Hunt

... section 3287, for a total of $179.41. 385 Hunt filed a voluntary petition for bankruptcy in the United States Bankruptcy Court for the Northern District of California (the bankruptcy action). Shortly thereafter, Hunt filed a putative ...

Aceves v. US BANK NA

... deed of trust on her residence. About two years into the loan, she could not afford the monthly payments and filed for bankruptcy under chapter 7 of the Bankruptcy Code (11 USC Â§Â§ 701-784). She intended to convert the chapter ...

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Sacramento Bankruptcy Lawyer, California

Sponsored Law Firm

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

SPONSORED LAWYERS

Ashley Monique Deguzman

Scott Matthew Johnson

Elliot W Gale

Joseph B Angelo

Simran Singh Sekhon

Berkeley Collins

W. Scott de Bie

Gary Greule

Brandon S. Johnston

Stephen Johnson

TIPS

LEGAL TERMS

COLLECTION AGENCY

DOING BUSINESS AS (DBA)

REDEMPTION

IRS EXPENSES

WORKOUT

TRUTH IN LENDING ACT (TILA)

LIQUIDATING PARTNER

SETOFF

GRACE PERIOD

SAMPLE LEGAL CASES

Jaffe v. Pacelli

Imperial Merchant Services, Inc. v. Hunt

Aceves v. US BANK NA

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