If I had my way, I would write it this way: DO NOT SIGN ANY PAPERS! I have said this before, and I say it again: DO NOT SIGN ANY PAPERS! Seriously. This is a huge issue. Put yourself in…
Posts Categorized In: Current Affairs
Call the adjuster, don’t take the adjuster’s calls
Adjusters like to call you. Why? Well, there are numerous reasons. First, when they are negotiating, they believe they have more power if they call you. There was some study done on negotiating years ago that seemed to support this…
California Debt Blog: The Rosenthal Act Notice MUST Be Included in California Collection Letters
The California Rosenthal Act, or Rosenthal Fair Debt Collection Practices Act, or RFDCPA – if you like initials, is very similar to the FDCPA. There are some differences. One of the big differences is that the Rosenthal Act requires a…
Short and simple – be pleasant
This may be the shortest post I will write on this blog, but here goes. The insurance adjuster is not your friend. However, the adjuster is a person and you should treat him or her that way. Even when I…
California Debt Blog: Debt Collectors Must Notify You of Your Rights
The government screws a lot of things up. But, sometimes they actually make things easier for consumers. Its not often, but sometimes it happens! The Fair Debt Collection Practices Act is one of those times – mostly. The FDCPA requires…
California Debt Blog: Do not fall for the threat that you will be arrested
This drives me crazy. I probably get this call more than any other call. Someone calls me and they tell me that a debt collector called them and threatened to have them arrested. Or they call and they tell me…
California Debt Blog: Debt Collectors Cannot Contact You After You Tell Them to Stop
No one likes to receive a call from a debt collector. Debt collectors, for the most part, are annoying and bothersome. They are rude and have no problem harrassing people in an effort to get paid. But there is a…
California Debt Blog: Debts Canceled by Bankruptcy Still Mar Consumer Credit Scores
This is a scary story from the New York Times. You think zombies are just on bad tv shows and in movies. But it turns out, that there are zombies in real life: zombie debts, at least. Here is the…
California Debt Blog: Debt Collectors Cannot Reveal Your Debt to Other People
We have all had it happen: you owe someone money, a debt collector calls your house, and they tell your spouse, your kids, or your parents that you owe money. This can’t be okay, can it? Generally, third-party contacts for…
California Debt Blog: A Debt Collector Cannot Demand More Than is Owed
What do you do when a debt collector says you owe $10,000 but the documentation shows you owe less? You tell them that they are violating the law. Yes, it is true. The Fair Debt Collection Practices Act and the…