Q: I lent some money to someone. They won’t pay me back. Can I file a lien or a mechanic’s lien on their house? A: You cannot file a lien until you have a judgment. (A mechanic’s lien can only…
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California Debt Blog: FAQ: How do I set aside a judgment?
Q: I was sued by a debt collection agency. They now have a default judgment against me. How do I set this aside? A: You need to file a motion to set aside the default. You should contact an attorney…
FAQ: Who pays for my medical bills?
Q: I was involved in a car crash (formerly called a car accident) and I was injured. I need medical treatment but do not have medical insurance. Who is responsible for paying the bills and providing me treatment? A: The…
California Debt Blog: FAQ: My relative died with unpaid bills. Are we responsible?
Q: My relative died. He left bills unpaid. We are now getting calls from creditors and collection agencies. Are we responsible for paying these bills? A: Generally, no. Only cosignors on loans or credit cards would be responsible. However, the…
FAQ: Can filing a homeowners claim be a bad idea?
This came from a reader and you can read it here. Answer: Yes. If you have a low deductible, you may think you should file smaller claims. However, as discussed in this article from United Policyholders, there is a phenomenon…
MUST SEE TV: Insurance Style
For those of you who missed the Anderson Cooper story about State Farm, Allstate and McKinsey, here is a chance for you to watch it again: Monday February 26 during the 2 hour Anderson Cooper show which starts at 10:00pm…
California Debt Blog: Credit Reporting: Two digit codes hurt you
Comcast (yes, the cable and internet people) has a great story about your credit report, disputes and the “two digit codes” that the credit bureaus use. When you dispute something on your credit report, here is what happens: When consumers…
California Debt Blog: Victims of Violent Crime
What do you do if you are the victim of a violent crime? Sometimes, you incur expenses that you cannot afford to pay. For example, maybe you incurred medical expenses that you cannot afford to pay. How do you get…
California Debt Blog: Victims of Violent Crime
What do you do if you are the victim of a violent crime? Sometimes, you incur expenses that you cannot afford to pay. For example, maybe you incurred medical expenses that you cannot afford to pay. How do you get…
New Free Report – Small Claims Court
If you are in California and need information on small claims court, I have released a new report. Well, this one is actually an ebook. It explains small claims court, the process, the costs, who can testify, who cannot testify,…