This may be the shortest post I will write on this blog, but here goes. The insurance adjuster is not your friend. However, the adjuster is a person and you should treat him or her that way. Even when I…
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California Debt Blog: Debt Collectors Must Notify You of Your Rights
The government screws a lot of things up. But, sometimes they actually make things easier for consumers. Its not often, but sometimes it happens! The Fair Debt Collection Practices Act is one of those times – mostly. The FDCPA requires…
Do NOT talk to the other driver
It is everyone’s instinct to want to talk to the driver of the other car. Maybe you want to apologize. Maybe you want to ask them what they were thinking when they ran a red light. Maybe you just want…
California Debt Blog: Do not fall for the threat that you will be arrested
This drives me crazy. I probably get this call more than any other call. Someone calls me and they tell me that a debt collector called them and threatened to have them arrested. Or they call and they tell me…
Go to the doctor after a car accident
I wish everyone would do this. When you are involved in a car accident, or any event that causes a release of adrenaline, you are not going to feel pain immediately. At least, not everyone will feel pain right away….
California Debt Blog: Debt Collectors Cannot Contact You After You Tell Them to Stop
No one likes to receive a call from a debt collector. Debt collectors, for the most part, are annoying and bothersome. They are rude and have no problem harrassing people in an effort to get paid. But there is a…
California Debt Blog: Debts Canceled by Bankruptcy Still Mar Consumer Credit Scores
This is a scary story from the New York Times. You think zombies are just on bad tv shows and in movies. But it turns out, that there are zombies in real life: zombie debts, at least. Here is the…
California Debt Blog: Debt Collectors Cannot Reveal Your Debt to Other People
We have all had it happen: you owe someone money, a debt collector calls your house, and they tell your spouse, your kids, or your parents that you owe money. This can’t be okay, can it? Generally, third-party contacts for…
Get your own estimate after a car accident
After you are involved in a car crash, you need to get your car fixed. For most people, this is their top priority. They want their car fixed – and they want it fixed now. Most insurance companies are going…
California Debt Blog: A Debt Collector Cannot Demand More Than is Owed
What do you do when a debt collector says you owe $10,000 but the documentation shows you owe less? You tell them that they are violating the law. Yes, it is true. The Fair Debt Collection Practices Act and the…