People are concerned, rightly so, about their credit scores. A lot of people are trying to do what they can to increase their credit score. While a commendable goal, there are some things you should NOT do. Here are 5…
Posts Categorized In: Hiring an attorney
Tips on Filing a Homeowners Claim
Most of my posts on this blog deal with auto insurance. The primary reason: that is when people need an attorney. I started handling insurance claims almost 20 years ago. In that time, the number of people I saw retain…
California Debt Blog: High Risk, Short Term Lenders Are More Aggressive in Litigation
As you know by now, I am not a fan of high risk, short term loans. I think these loans are bad for most people. High risk lenders are more willing to take on aggressive litigation tactics. They do this…
California Debt Blog: IRS Scam Warning
There is a new scam running around where someone calls you pretending to be from the IRS. Let me say this again: YOU CANNOT BE ARRESTED FOR NOT PAYING A DEBT. Also, the IRS will write to you and will…
California Debt Blog: High Risk, Short Term Lenders Are More Aggressive in Collections
There are many reasons people go to high risk, short term lenders. Sometimes it is the only place to get the money. Sometimes they dont have a bank account or dont have access to other money. But do you know…
Talk to an attorney about your car accident
If you have been involved in a car accident, talk to an attorney. It may be that you do not have a case, it may be that you can handle it yourself, or maybe you need to go to small…
California Debt Blog: Most Payday Lenders Do NOT Have To Follow Debt Collection Laws
You did not read that wrong. Most payday lenders do NOT have to follow federal debt collection laws. How is that possible? The Federal Fair Debt Collection Practices Act (“FDCPA”) only applies to third party debt collectors. Since most of…
Stop Reading the Internet About Personal Injury Claims
This is a huge pet peeve of mine. It sounds weird to write it where people are reading it on the Internet, but please stop reading the Internet. Look, I love the Internet. It is great for a lot of…
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…