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…
Posts Categorized In: Rosenthal FDCPA
California Debt Blog: FAQ: I was sued. What do I do?
Q: I was sued on a credit card debt. They served me with a summons. What do I do? A: You need to file a responsive pleading within 30 days. What pleading you file will depend on a number of…
California Debt Blog: FAQ: What do I do if I am contacted about an old debt?
Q: I have a really old debt. What do I do if I am contacted about it? A: Some collection agencies will contact you about old debts. They are trying to get you to pay it even if the statute…
California Debt Blog: FAQ: Contact from Debt Collectors
Q: So when can a debt collector call me? How often? Are there rules that govern communication from collectors? A: Debt collectors can call you, fax you, telex you, send you a telegram (if that is still around), and probably…
California Debt Blog: FAQ: Initial Information About The Debt
Q: What initial information does the debt collector need to tell me? A: Within 5 days of the initial contact, the collector must tell you the amount of the debt, the name of the creditor (the person who is owed…
California Debt Blog: FAQ: So what can a debt collector not do?
Ah, the crux of the issue. What practices are prohibited by these acts? Well, there are a lot, but here are the main areas of violation. Debt collectors may not tell you they are attorneys; misrepresent the amount of the…
California Debt Blog: FAQ: What is the Fair Debt Collection Practices Act (FDCPA)?
I guess before I tell you too much, I need to start with the very basic. What is the Fair Debt Collection Practices Act? At its most basic, the FDCPA is a Federal Law that governs the way that debt…
California Debt Blog: FAQ: Who is a debt collector and what is a debt?
Okay, so now that you know what the Acts are, what is covered by the Acts? I mean, is me lending $20 to my buddy and trying to get the money back covered by the Acts? How about if you…