Okay, so when you watch tv these days, you are bombarded with insurance commercials. You hear about accident forgiveness, pet coverage, coverage if your car is beamed up by Scotty. It is amazing how many different coverages you can get…
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California Debt Blog: The Statute of Limitations Defense Works
I just had a client sued by a debt collector for a debt that was more than 4 years old. The complaint (the lawsuit in lay person terms) stated that the debt was delinquent in February, 2004. The lawsuit was…
Auto Insurance Zip Codes Matter
No, not for rating reasons. At least, not this time. When you complete your insurance application, you have to list the zip code where the vehicle will be garaged. This is information the insurance company uses. When you move, you…
California Debt Blog: California Court Approves Class-Action Lawsuit Against Debt Collector Accused of Abusive Tactics
Here is a press release I received from Public Citizen. I am forwarding it to you in case you were a victim of ACCS. WASHINGTON, D.C. – A California court has ruled that almost a million consumers who were victims…
California Debt Blog: Renters Beware
The newest problem for renters, as if you did not have enough problems, is landlords who are behind on their mortgages. The problem goes something like this: you pay your landlord the money. The landlord fails to pay the mortgage….
Single Limit Policy
I have a friend looking for new homeowners insurance. She is changing from a major insurer to a less well known insurer, but in my opinion a better insurer. She then asked me to review the policies and explain the…
California Debt Blog: Don’t be fooled
There is a scary new trend that worries me. Homeowners are receiving letters from “Loss Mitigation” or “Loss Control” or some other similarly helpful name. The letters reference their loan number and lender and offer help in the way of…
California Debt Blog: More help is on the way
Jim Wasserman, the Sacramento Bee’s excellent home reporter, wrote an article today about the government’s help for homeowners. (By the way, Jim has an excellent blog I recommend too!) The news from the federal government is good. It means that…
UNUM Found Guilty of Fraud
This just came across my desk: “A Boston jury has found that Unum(NYSE: UNM), the nation’s largest disability provider, defrauded the UnitedStates by forcing its customers to submit false claims for disabilitybenefits to the Social Security Administration (SSA), when Unum…
AIG – At It aGain
AIG should have a new name – At It aGain. (Sorry, I had to take a little creative license to make it work.) AIG just got bailed out from the government. So, what do they do? Spend over $200,000 on…