Question: My phone rings nonstop with calls from a debt collector. Is this legal? Answer: NO! Debt collectors cannot call you at all hours of the day. I just looked at a phone log that a client had that showed…
Posts Categorized In: FDCPA
California Debt Blog: President Obama Cuts Student Loan Debt Collection Commissions
This is exciting news for folks who may be behind on their student loans. President Obama has cut the commission that debt collectors get on student loans. Why does this matter? Student loan debt collectors are some of the most…
California Debt Blog: FAQ: What is a validation letter and why should I send it?
Q: What is a validation letter and why should I send it? A: A validation letter is simply a letter to the debt collector telling them that you dispute the debt. It can be sent by either the consumer or…
California Debt Blog: Keep track of your settlements
I have had two cases recently that have shown me a disturbing trend: debt collectors settling issues and then turning around and demanding more money! In one case, Erica Brachfeld, who also goes by Brachfeld Law Group, settled a case…
California Debt Blog: Talking to an attorney
I have written on the California Personal Injury and Insurance Blog about talking to an attorney after a car accident. But, it is also important to talk to an attorney if you are in debt or receiving calls or letters…
California Debt Blog: Regional Arbitration Services
I have recently been contacted by several people who have had dealings with this company. As far as I can tell, Regional Arbitration Services is not an arbitration company at all, but rather a debt collection agency. I have never…
California Debt Blog: Aggressive Debt Collection Tactics
Jim Puzzanghera of the LA Times wrote a great story on debt collection tactics. Jim’s first paragraph tells the story of most people these days: “Hard economic times have helped push millions of Americans deeply into debt, plunging many into…
California Debt Blog: Free Consumer Reports
It has been a while since I have shared this so I thought I would put it out there again. I have written a TON of free reports about the legal system, the law, insurance companies and personal injury cases….
California Debt Blog: Problems with Debt Collection Lawsuits
The New York Times has an excellent article on the problem with debt collection lawsuits. The article starts with this: “The same problems that plagued the foreclosure process — and prompted a multibillion-dollar settlement with big banks — are now…
California Debt Blog: Debt collectors are not your friends
I have seen a new trend and one that troubles me. Debt collectors are not being the big mean jerks we expect. Rather, they are trying to be your friend. I even had a guy call me on behalf of…