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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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Oliver A Greene

Credit & Debt, Bankruptcy

Status: In Good Standing Licensed: 16 Years

CONTACT

3701 Power Inn Rd, Sacramento, CA 95826

Michael G Abrate

Wills, Trusts, Criminal, Credit & Debt

Status: In Good Standing

CONTACT

655 University Ave, Sacramento, CA 95825

Lajuan Evette Wood

Entertainment, Gift Taxation, Business & Trade, Credit & Debt

Status: In Good Standing Licensed: 24 Years

CONTACT

5250 Marconi Ave, Carmichael, CA 95608

Christopher Whelan

Employment, Family Law, Civil Rights, Credit & Debt

Status: In Good Standing Licensed: 46 Years

CONTACT

11246 Gold Express Dr, Rancho Cordova, CA 95670

Andrew Marston Woodruff

Natural Resources, Corporate, Credit & Debt

Status: In Good Standing Licensed: 18 Years

CONTACT

2530 Laurence Ave, Carmichael, CA 95608

Amanda Marie Zamorano

Employee Rights, Administrative Law, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 11 Years

CONTACT

1540 River Park Dr, Sacramento, CA 95815

Gary Ray Fraley

Employment Discrimination, Credit & Debt, Bankruptcy, Personal Injury

Status: In Good Standing

CONTACT

1401 El Camino Ave, Sacramento, CA 95815

Matthew Ronald Eason

Litigation, Workers' Compensation, Credit & Debt, Personal Injury

Status: In Good Standing

CONTACT

1234 H Street, Sacramento, CA 95814

Ryan Harrington Von Lindern

Employee Rights, Family Law, Contract, Credit & Debt

Status: In Good Standing Licensed: 13 Years

CONTACT

1521 23Rd St, Sacramento, CA 95816

Steven D Cribb

Business, Credit & Debt

Status: In Good Standing Licensed: 25 Years

CONTACT

700 Leisure Ln, Sacramento, CA 95815

800-923-0641

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LEGAL TERMS

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.

PRESUMED ABUSE

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means te... (more...)

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means test, the court will presume that the debtor has sufficient income to fund a Chapter 13 plan. In this situation, the debtor will not be allowed to proceed with a Chapter 7 bankruptcy unless the debtor can prove that he or she is not abusing the Chapter 7 bankruptcy remedy.

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.

FCRA

See Fair Credit Reporting Act.

DEBT COLLECTOR

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe... (more...)

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe. Debt collectors can be relentless, often using scare tactics, humiliation and repeated phone calls to extract payments or promises to pay.

BULK SALES LAW

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to ... (more...)

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to conduct a bulk sale of business assets -- that is, get rid of an unusually large amount of inventory, merchandise or equipment -- the business owner must typically publish a notice of the sale and give written notice to creditors. Then, the owner must set up an account to hold the funds from the sale for a brief period of time during which creditors may make claims against the money. The prohibition against bulk sales is spelled out in the Uniform Commercial Code -- and laws modeled on the UCC have been generally adopted throughout the country.

NO-FAULT INSURANCE

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain ... (more...)

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain amount, regardless of who was at fault. The effect of no-fault insurance laws is to eliminate lawsuits in small accidents. The advantage is the prompt payment of medical bills and expenses. The downsides are that the amounts paid by no-fault policies are often not enough to fully cover a person's losses and that no-fault does not compensate for pain and suffering.

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.

TOXIC TORT

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and su... (more...)

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and suffering.

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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Wilton Credit & Debt Lawyer, California

Sponsored Law Firm

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

SPONSORED LAWYERS

Oliver A Greene

Michael G Abrate

Lajuan Evette Wood

Christopher Whelan

Andrew Marston Woodruff

Amanda Marie Zamorano

Gary Ray Fraley

Matthew Ronald Eason

Ryan Harrington Von Lindern

Steven D Cribb

TIPS

LEGAL TERMS

INTEREST

PRESUMED ABUSE

COLLECTION AGENCY

FCRA

DEBT COLLECTOR

BULK SALES LAW

NO-FAULT INSURANCE

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

TOXIC TORT

SAMPLE LEGAL CASES

Komarova v. National Credit Acceptance, Inc.

Dey v. Continental Central Credit

Liceaga v. Debt Recovery Solutions, LLC

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