Question: I stopped paying on a credit card. What is the statute of limitations within which the debt collector has to sue me? Answer: It depends, as the typical lawyer would answer. Each state has its own statute of limitations….
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Diminished value and loss of use
So many times I have people call me up and tell me that their car was damaged in an accident, repaired, but now they think it is worth less. And you know what? They are right. Think about it. If…
California Debt Blog: Consumer Protection Financial Bureau Releases New Letters
The Consumer Protection Financial Bureau (CPFB) has released self help letters. These DIY letters are intended for consumers who are looking to deal with a debt collector without hiring an attorney. There are five letters that consumers can send to…
FAQ: What insurance do I need?
Question: I don’t know what insurance I should have. How do I figure that out? Answer: This is a tricky question. Let’s start with the basics. (I am going to skip life and health insurance since those are significantly more…
California Debt Blog: Expert Global Solutions Fined by FTC
Well, the debt collectors are at it again. What’s a violation of the FDCPA between debt collectors and the FTC? Do they really think the FTC is going to do anything? Apparently, the answer is yes. In this case, the…
5 secrets from a former insurance adjuster
Okay, so maybe you have always wondered what goes on inside an insurance company. Sadly, not much. But, there are some things you should know. 1. INSURANCE COMPANIES TRACK EVERY CLAIM YOU ARE INVOLVED IN Yes, they track EVERY claim,…
California Debt Blog: Waiting will only hurt you
I get a lot of folks who call me up and want help – after they have waited. It can be done, sometimes, but it takes more time, energy and money. There are three places where waiting hurts. First, once…
Why you should hire an attorney who understands an adjuster
I was exchanging emails today with a friend of mine who is also a personal injury attorney. He understands how the world of insurance works so none of this will be a surprise to him. But, a lot of attorneys…
California Debt Blog: Brachfeld Law Group and Erica Brachfeld
I have an important update if you have been sued by Erica Brachfeld or Brachfeld Law Group. This also applies if you have settled a case with Erica Brachfeld or Brachfeld Law Group and you are expecting payment from them….
California Debt Blog: Persolve LLC
I have a new case with Persolve, LLC that I thought I would write about. Persolve sued my client. My client doesn’t owe the money. So I filed an answer and served discovery. Persolve just responded to my discovery. They…