I got a letter in the mail from a major insurer telling me that I can save $338 on my auto insurance. WOO HOO! For me, that is about 33% off what I currently spend to insure 2 cars. Oh…
Blog
Property Damage Estimates
Please do not just take the insurance company estimate and assume it is right. It may not be. I recently had a client who had an estimate from her insurance company. The insurance company wanted to repair the bumper on…
California Debt Blog: The Statute of Limitations
I have written before about the statute of limitations. It is generally four years on a written contract. Simple enough, right? Well, maybe. It is four years from the date of the last payment or the date the last payment…
Do you have a MIST case?
Do you even know what MIST means? Probably not. MIST cases are an acronym for: Minimum Impact Soft Tissue The “minimum impact” part usually means there is less than $1,500 in damage to your car. This does vary by insurance…
California Debt Blog: FAQ: Can I get a new social security number?
Q: My social security number was stolen. Can I get a new one? A: Maybe. The Social Security Administration may give you a new one. From their website: If you have done all you can to fix the problem and…
Reimbursement of your health insurer
Thankfully, we do not live in Texas. The Texas Supreme Court recently ruled that when a plaintiff sues a defendant, the plaintiff’s health insurer gets reimbursed before the plaintiff. So, you pay those health insurance premiums in Texas, you use…
California Debt Blog: What if you cannot afford filing fees?
Let’s face it. Most people who are being sued by a debt collector don’t have the money to pay the court costs associated with defending a case. That is a difficult spot to be in. You are being sued, you…
Your Social Security Number
Have you ever wondered why the insurance company wants your social security number? It is not because they need to verify your ability to work in this country! They need it, well, they want it because they want to track…
California Debt Blog: Rosenthal FDCPA And Creditors
It is now clear to me, and I agree with others, that the Rosenthal FDCPA applies to the original creditor. California Civil Code 1788.2 (c) says: (c) The term “debt collector” means any person who, in the ordinary course of…
California Debt Blog: Updating your information
In California, if you have a creditor, you are required under the Rosenthal FDCPA to update your contact information with the creditor. This means that if you move, you need to call the creditor and give them your address. There…