Insurance adjusters like to tell people that they don’t “accept chiropractic treatment.” First, I don’t even know what that means. I didn’t realize adjusters had so much power as to accept or reject certain treatments. They may look disfavorably on…
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California Debt Blog: High Risk, Short Term Lenders Are More Aggressive in Collections
There are many reasons people go to high risk, short term lenders. Sometimes it is the only place to get the money. Sometimes they dont have a bank account or dont have access to other money. But do you know…
Talk to an attorney about your car accident
If you have been involved in a car accident, talk to an attorney. It may be that you do not have a case, it may be that you can handle it yourself, or maybe you need to go to small…
California Debt Blog: Most Payday Lenders Do NOT Have To Follow Debt Collection Laws
You did not read that wrong. Most payday lenders do NOT have to follow federal debt collection laws. How is that possible? The Federal Fair Debt Collection Practices Act (“FDCPA”) only applies to third party debt collectors. Since most of…
Stop Reading the Internet About Personal Injury Claims
This is a huge pet peeve of mine. It sounds weird to write it where people are reading it on the Internet, but please stop reading the Internet. Look, I love the Internet. It is great for a lot of…
California Debt Blog: Watch out for high interest rates
Did you know that some payday lenders, cash advance companies or short term lenders, including title lenders, charge 90% interest for a loan to be repaid over several years? However, that can be on the low end. Some lenders have…
California Debt Blog: Don’t get stuck in the short term debt cycle
Okay, so this may seem weird. What do I mean don’t get stuck in the short term debt cycle? Short term debt is what many people think of as payday loans or high interest rate loans. Sometimes the loan is…
Do NOT sign any papers
If I had my way, I would write it this way: DO NOT SIGN ANY PAPERS! I have said this before, and I say it again: DO NOT SIGN ANY PAPERS! Seriously. This is a huge issue. Put yourself in…
Call the adjuster, don’t take the adjuster’s calls
Adjusters like to call you. Why? Well, there are numerous reasons. First, when they are negotiating, they believe they have more power if they call you. There was some study done on negotiating years ago that seemed to support this…
California Debt Blog: The Rosenthal Act Notice MUST Be Included in California Collection Letters
The California Rosenthal Act, or Rosenthal Fair Debt Collection Practices Act, or RFDCPA – if you like initials, is very similar to the FDCPA. There are some differences. One of the big differences is that the Rosenthal Act requires a…