Question: My debt has been charged off on my credit report. I read that I do not owe the debt once it is charged off. Do I still owe the debt? A: YES. Is that clear enough? You still owe…
Posts Categorized In: Hiring an attorney
FAQ: What do I get for a rental when my car is damaged?
Question: I was involved in a car accident. My car was damaged. What does the insurance company owe me for a rental car? When you get in an accident, there will be a few days when your car is not…
California Debt Blog: FAQ: Can my wages be garnished and what do I do if a debt collector violates the law?
More from the last two weeks on what a debt collector cannot do. This is based on the federal Fair Debt Collection Practices Act (FDCPA) and the California Rosenthal Act (also called the Rosenthal FDCPA). You may have seen these…
FAQ: How long is the statute of limitations?
Typically, someone will call me and say to me “How long do I have to sue?” To me, in legalese, we call it the Statute of Limitations. I hate legalese, but we can have that discussion another time! This list…
California Debt Blog: FAQ: What can a debt collector not do?
More from last week on what a debt collector cannot do. This is based on the federal Fair Debt Collection Practices Act (FDCPA) and the California Rosenthal Act (also called the Rosenthal FDCPA). You may have seen these tactics from…
California Debt Blog: FAQs on the Fair Debt Collection Practices Act
I get a lot of questions about the Fair Debt Collection Practices Act. People are confused about what it means and what rights they have. This is important to know when you are contacted by a debt collector such as…
Stop taking advice from non-attorneys
Please, stop taking advice from non-attorneys. They may be nice people. Some of them may be friends. Very few of them know what they are talking about. I went online today to see what was new in the world of…
California Debt Blog: The internet is hurting your debt collection defense
Yes, it is true. The internet is hurting you. It is out there making your life more difficult and making my life more difficult. It is causing you to believe things that are not true. Let me start with this:…
10 Steps To Avoid Getting Less than Fair Market Value for Your Damaged Car
The first time most people deal with an insurance company is with their car. You are involved in a crash and everyone thinks “What about my car?” Or “My car is a total loss. Now what?” A smart insurance adjuster…
California Debt Blog: People v. Persolve – my perspective
The California 5th District Court of Appeals came out with a decision on August 15, 2013. That decision, in People v. Persolve, is an interesting discussion of the litigation privilege. Here is a good blurb in Enligsh from California Appellate…