People talk about insurance limits all the time and most of the time no one knows what it means. Attorneys are notorious for this. “My client has a 15/30 policy.” Or “The defendant only has a 30/60 policy.” What are…
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California Debt Blog: You may limit “prescreened” offers of credit and insurance you get based on information in your credit report
Unsolicited “prescreened” offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit…
5 Additional Ways to Find the Right Attorney For You
6. WHAT CONTINUING EDUCATION DOES THE ATTORNEY TAKE? Every attorney in California is required to take continuing education. However, the types of courses and content of the courses is left to the discretion of the attorney. You want to know…
California Debt Blog: You must give your consent for credit reports to be provided to employers
A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer.
5 Ways to Find the Right Attorney For You
1. PRIOR RESULTS ARE NO GUARANTEE A lot of attorneys like to tell you about their other cases. However, your case is different. Each case has its own facts. Just because they got someone else millions of dollars does not…
California Debt Blog: Access to your credit report file is limited
A consumer reporting agency may provide information about you only to people with a valid need – usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for…
California Debt Blog: You may seek damages from companies and individuals that violate your rights with your credit report
If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
5 More Things You MUST Do After A Car Accident
6. CHECK FOR WITNESSES Some people may stop, look around, and then leave. If you see these people, get their information. Talk to them. You want their name, number, address, and any other information they will give. You may need…
California Debt Blog: Consumer reporting agencies may not report outdated negative information on your credit report
In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
5 Things You MUST Do After A Car Accident
1. PULL OVER TO THE SIDE OF THE ROAD There is very little reason to leave your car in the middle of the road after an accident. First, it is not safe. Second, it just creates another hazard for the…