Somehow I got on the mailing list of a company that assists debt collectors. I don’t know how, but I got 6 emails from them yesterday. Then, two more today. The emails were all the same. The gist of the…
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California Debt Blog: Be Wary of Foreclosure Consultants
I wrote before about being wary of attorney based services. Well, some people are now calling themselves foreclosure consultants. Most of these people are out of work mortgage brokers who need a job. The easiest job: call yourself a consultant….
FAQ: Reporting Auto Accidents
I have written about this before, but it has been some time. So, I thought I would do it again. Q: I have been involved in a car accident. Must I report it to my insurance company? A: The simple…
California Debt Blog: FAQ: Should I pay a store credit card?
Q: I have a credit card with a store that is going out of business. I have read on the internet that I should stop paying my credit card. Is this true? A: NO! Do not stop paying your credit…
California Debt Blog: Interest Rates Raised by Capital One
News out of the world of credit cards: Capital One has raised interest rates for almost 70% of its customers. Why? Because it can. Yes, your credit card company can change your interest rate for any reason -or no reason…
California Debt Blog: Banks Agree to Foreclosure Moratorium
Now four banks have agreed to a foreclosure moratorium. These are Bank of America, Wells Fargo, JP Morgan Chase, and Citigroup. According to CNN, the moratoriums are until the end of the first week of March, for the most part….
California Debt Blog: New Report for Tenants
I am expanding my consumer law practice to include tenant’s rights. Face it – more foreclosures lead to tenant’s being evicted. Banks apparently think they can sell unoccupied homes, despite the evidence that occupied homes sell faster. Landlords are trying…
FAQ: Your Car is a Total What?
Q: My car was involved in a collision. I can still drive it. The insurance company is calling it a total loss. Why? A: A car can be a total loss in one of two ways. The first way is…
California Debt Blog: Loan Modifications: A Simple DIY Error
Okay, so everyone wants a loan modification. Well, maybe not everyone, but a lot of people. And some people want to try it as a DIY project. This would be like trying to stitch yourself up after a serious cut…
California Debt Blog: Loan Modifications: More To Be Wary Of
I have written before about why you need to be wary of hiring these “attorney based services.” I also wrote about mortgage rescue companies. As you know, I believe you should only hire an attorney. If these two articles did…