The two methods California uses for foreclosures are known as non-judicial and judicial. A non-judicial foreclosure does not involve court action. In California non-judicial remedies have stringent notice requirements and the mortgage documents are required to contain a power of…
Posts Categorized In: FAQ
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…
California Debt Blog: FAQ: How do I prove I paid a judgment?
Q: I had a judgment against me. I paid it. Now I am still getting calls. How do I prove I paid it? A: When you pay a judgment, obtain a satisfaction of judgment. This form gets filed with the…
California Debt Blog: FAQ: Do I owe my spouse’s debt?
Q: I am getting divorced. My spouse has a judgment against him. It is only against him. Will I be responsible for this after the divorce? A: Maybe. The question is why was there a judgment against him? The issue…
California Debt Blog: FAQ: Can they take a joint account holder’s money?
Q: I have a judgment against me. I just received notice of a bank levy on my account. I have a join account holder, who is not my spouse, on the account. Can they take this other person’s money? A:…
California Debt Blog: FAQ: I have a lot of credit cards. Should I hire a consolidation company?
Q: I have a lot of credit cards. I owe money on all of them. Should I hire a debt consolidation company? A: No. It is great that you see that you need to get out of debt. But, do…
California Debt Blog: FAQ: Does the FDCPA apply to the original creditor?
Q: I have a credit card. I am behind in payments. I have been receiving a lot of phone calls from the credit card company. I think they are harassing me. Do I have any protection? A: You may have…
California Debt Blog: FAQ: How do I prove the Statute of Limitations has expired?
Q: I was sued on a debt that is more than 4 years old. How do I prove the statute of limitations? A: Court is a complex creature. You cannot walk into court and expect the judge to dismiss a…
California Debt Blog: FAQ: How do I fight a wage garnishment?
Q: I owe a judgment. They are attempting to garnish my wages. How do I fight this? A: There are basically four options: 1. You can attempt to reduce or eliminate the garnishment, by filing a Claim of Exemption and…
California Debt Blog: FAQ: Should I let them lien my home?
Q: I have a debt with a credit card company. They want to put a lien on my home. Should I let them? A: Do NOT, let me say that again, NOT agree to a lien on your home. There…