HowStuffWorks is an interesting website that explains, ready for this, how stuff works! Its an interesting website and you should look at it. Today, I write to you about their article on “How Zombie Debt Works.” I understand that they…
Posts Categorized In: Rosenthal FDCPA
California Debt Blog: Debt Validation: Why it matters
Whenever you are contacted by a debt collector, the initial letter will state that you have the right to request validation of the debt within 30 days. Why do you care? Debt validation requests serve several purposes. First, by making…
California Debt Blog: The Softer Side of Debt Collectors?
I remember a few years ago when Sears had the slogan “The Softer Side of Sears.” Very cute. Well, apparently, the debt collection industry wants to show its softer side. According to Walletpop, a website I admit to not having…
California Debt Blog: Zombie Debt III: Still There!
I have written about zombie debt a few times. This is a fascinating topic to me. Imagine – people with no proof you owe anything still demanding you pay them. And these people are serious about it. And if you…
California Debt Blog: DA Debt Collector Can Be Sued
In an interesting case out of California, the Federal 9th Circuit ruled that a debt collection company that collects debts on behalf of several counties can be sued. (Thanks to the San Jose Mercury News for this story.) The debt…
California Debt Blog: Sacramento Bee Writes About Cash Call Lawsuit
The Sacramento Bee wrote about my lawsuit against Cash Call on November 12, 2007. I will reprint part of it here: Matter of interest: It’s legal for a state-licensed finance agency to make a loan with a 59.9 percent interest…
California Debt Blog: Collecting on old debts
I wrote previously about debt collectors attempting to collect on debts past the statute of limitations. Apparently, I am not the only one writing about this. Gary Nitzkin over at the Michigan Collection Law Blog recently wrote about this topic…
California Debt Blog: Collecting on a debt past the statute of limitations
I have talked about this before. The statute of limitations provides a certain time for a debt collector to collect on a debt. In California, it is generally four years on a debt. So, at four years and 5 days,…
California Debt Blog: Rosenthal FDCPA And Creditors
It is now clear to me, and I agree with others, that the Rosenthal FDCPA applies to the original creditor. California Civil Code 1788.2 (c) says: (c) The term “debt collector” means any person who, in the ordinary course of…
California Debt Blog: Updating your information
In California, if you have a creditor, you are required under the Rosenthal FDCPA to update your contact information with the creditor. This means that if you move, you need to call the creditor and give them your address. There…