Q: I reached a settlement with a collection agency. Before I paid them, they levied my bank account. Is that legal? A: If you have a payment agreement, it is probably a violation of the FDCPA and the Rosenthal Act…
Posts Categorized In: FAQ
California Debt Blog: FAQ: Can they collect in a different state?
Q: I ran up a debt while living in Arizona. I now live in California. Can the Arizona debt collector take my money in California? A: Yes. The collection agency can obtain a judgment against you in Arizona (and possibly…
California Debt Blog: FAQ: My debt has been “charged off.” Do I still owe the debt?
Q: My debt has been charged off. Do I still owe the debt? A: You still owe the charged-off debt. Many people mistakenly believe a creditor does not want to collect a charged-off account. Wrong-o! A charge off is merely…
California Debt Blog: FAQ: I have a judgment on my credit. How do I remove it?
Q: I have a judgment on my credit report. How do I remove it? A: If the judgment is against you and it is proper, you need to pay the judgment. Once you pay it, ask for an Acknowledgement and…
California Debt Blog: FAQ: Its not my debt. What do I do?
Q: Someone ran up charges on a credit card debt. Now they are coming after me for the money. It is not my debt. They say they are going to freeze my account. What do I do? A: A lot…
California Debt Blog: FAQ: I was contacted about a 14 year old debt. What do I do?
Q: Myself and my ex were contacted about a 14 year old debt. What can we do about it? A: I would send them a certified letter telling them that you dispute the debt and instructing them not to contact…
California Debt Blog: FAQ: I cosigned for a loan. What is my liability?
Q: I cosigned for a friend for a car loan. She stopped making payments. I am now getting calls from the creditor. Am I responsible? A: You are responsible. The creditor can sue you for the full amount of the…
California Debt Blog: FAQ: I paid off a debt and then I got sued on it. What do I do?
Q: I paid off a debt. I was then sued for that same debt. What do I do? A: You may have a case against the attorney and the debt collector who filed the lawsuit for violations of the FDCPA…
California Debt Blog: FAQ: I filed an answer and want to change it. Now what?
Q: I was sued. I filed an answer telling the court that the amount the collection agency sued me for was wrong. I just realized that I paid even more money than I listed in my answer. What do I…
California Debt Blog: FAQ: I cosigned for loan. What is my liability?
Q: I cosigned for a friend for a car loan. She stopped making payments. I am now getting calls from the creditor. Am I responsible? A: You are responsible. The creditor can sue you for the full amount of the…