As you know, I believe you should pull your credit report at least once a year, maybe even twice a year. You can get a free one from this website (this is the official one, not one of those that…
Posts Categorized In: Legal Process
California Debt Blog: Sample Verification letter
Yesterday, I gave you a sample cease and desist letter. Today, I am giving you a sample verification letter. Just send this to the debt collector when you want verification of the debt. Make sure you send it within 30…
California Debt Blog: Sample Cease and Desist Letter
Since I get so many requests for it, I am going to give you a sample letter that you can send to a debt collector that tells them to leave you alone: VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED ABC Debt…
California Debt Blog: Must read blog
It is not often, well, it has never happened, that I would tell you to go read something written by a creditor. But, I have found something you must read. Michigan attorney Gary Nitzkin writes the Michigan Collection Law Blog….
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: Immigration questions?
No, don’t call me. I don’t handle immigration work. I stick to what I know: debt, personal injury and insurance. But, some of you call me or email me and you have immigration questions. My solution: Bob Kraft’s immigration blog….
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…
California Debt Blog: FAQ: Can I sue someone outside of California?
Q: I need to file in small claims court. The other person is in another state. Can I sue them? A: You could file the lawsuit, but you cannot serve the lawsuit outside of California. You should read this from…
California Debt Blog: FAQ: Can I be arrested for passing a bad check?
Q: I wrote a check to a person the check bounced. It was returned for not sufficient funds (NSF). The other person said that he is going to the police so they can have me arrested. Can he really do…