Acampo Collection Lawyer, California

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Andrei Armas
About | Practice Areas
Armas & Joseph, APLC
1712 West Beverly Blvd Suite 201 Montebello, CA 90640» view map
Consumer Rights and Collection
We Fight For You

No matter what type of legal support you are looking for, we have the resources and expertise to help.

800-675-3790
1. Andrei Armas Montebello, CA
  Attorney at Law- CA
  California Western School of Law, J.D. 2014
2. AboutArmas & Joseph, APLC
  We Fight For You
3. Practice AreasExpertise
  Consumer Rights
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Scott Matthew Johnson

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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

James R. Mehlhaff

Business Organization, Family Law, Collection, Banking & Finance

Status:

CONTACT

23950 S. Chrisman Road, Tracy, CA 95304

John Andrew Clinnin

Civil Rights, Administrative Law, Collection

Status: Licensed: 34 Years

CONTACT

7540 Shoreline Dr, Stockton, CA 95219

David S. Van Dyke

Animal Bite, Criminal, Bankruptcy, Collection

Status: Licensed: 34 Years

CONTACT

2111 W March Ln, Stockton, CA 95207

Mark Andrew Wolff

Trusts, Contract, Credit & Debt, Bankruptcy, Collection

Status:

CONTACT

8861 Williamson Dr, Elk Grove, CA 95624

Jim Gerhart Price

Commercial Real Estate, Consumer Rights, Commercial Banks, Collection, Bankruptcy

Status:

CONTACT

6163 Bethel Island Road, Bethel Island, CA 94511

Thomas Michael Swett

Real Estate, Government, Business, Collection

Status: Licensed: 21 Years

CONTACT

47 Main St, Sutter Creek, CA 95685

Herman Adam Danie Franck

Real Estate, Collection

Status: Licensed: 39 Years

CONTACT

910 Florin Rd, Sacramento, CA 95831

Gilberto Lopez

Immigration, Estate, Divorce, Collection, Accident & Injury

Status: Licensed: 17 Years

CONTACT

Sacramento, CA 95822

John Michael O'Donnell

Business & Trade, Collection, Commercial Bankruptcy, Bankruptcy & Debt

Status: Licensed: 36 Years

CONTACT

Rancho Cordova, CA 95741

800-814-6700

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LEGAL TERMS

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.

ABUSE

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because ... (more...)

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because the debtor appears to have enough disposable income to fund a Chapter 13 repayment plan.

CREDITOR

A person or entity (such as a bank) to whom a debt is owed.

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

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.

ACCORD AND SATISFACTION

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collectin... (more...)

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collecting as much money as they can from debtors who cannot pay the full amount.

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.

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.

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Acampo Collection Lawyer, California

Sponsored Law Firm

Armas & Joseph, APLC

SPONSORED LAWYERS

Scott Matthew Johnson

James R. Mehlhaff

John Andrew Clinnin

David S. Van Dyke

Mark Andrew Wolff

Jim Gerhart Price

Thomas Michael Swett

Herman Adam Danie Franck

Gilberto Lopez

John Michael O'Donnell

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LEGAL TERMS

IRS EXPENSES

ABUSE

CREDITOR

CURRENT MONTHLY INCOME

CREDIT REPORT

BULK SALES LAW

ACCORD AND SATISFACTION

CREDIT INSURANCE

FORBEARANCE

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