I have always told people, whenever you are contacted by a debt collector, the initial letter from the debt collector will state that you have the right to request validation of the debt within 30 days. You MUST, MUST, MUST…
Posts Tagged With: credit card
California Debt Blog: Ringless Voice Mail and Debt Collectors
You take a break at work and find some voice mail messages. The weird thing is that your phone did not ring. How did these messages get here? Lilian Min at Cosmopolitan covers this in a new story she has…
California Debt Blog: Debt Collection is #1 Again – In Complaints
So, it turns out that when you are really good at something you should continue doing it. In this case, debt collectors are really good at having complaints filed against them with the Consumer Financial Protection Bureau. According to this…
California Debt Blog: Debt collectors calling about debts you do not owe
Debt collectors call a lot of people about debts. Heck, I got a call over the weekend from Portfolio Recovery Associates about a debt owed by Jonathan A Stein. Of course, that isn’t my name. And the last four of…
California Debt Blog: Debt Collection is the 2nd Most Popular Scam
The Better Business Bureau came out with their top 10 scams of 2015. Yes, I know it is already February of 2016, but I had to help people who were victims of the first two scams: IRS issues and debt…
California Debt Blog: FREE Credit Report Review
Did you know that up to 25% of credit reports have an error? Yes, a new study by the Federal Trade Commission (FTC) finds that “25 percent of consumers identified errors on their credit reports that might affect their credit…
California Debt Blog: 5 MORE MISTAKES YOU MUST AVOID WITH YOUR CREDIT
I previously gave you 5 mistakes to avoid with your credit. So as people are ramping up their holiday shopping, I thought I would share with you 5 more mistakes to avoid with your credit. The difference between good credit…
California Debt Blog: Persolve LLC
I have a new case with Persolve, LLC that I thought I would write about. Persolve sued my client. My client doesn’t owe the money. So I filed an answer and served discovery. Persolve just responded to my discovery. They…
California Debt Blog: Don’t send out a written “instrument”
There must be something in the air. I have had two calls this week for helping defending lawsuits based on the concept of “written instruments.” What does this mean? As I understand the latest theory, and it has changed some…
California Debt Blog: Problems with Debt Collection Lawsuits
The New York Times has an excellent article on the problem with debt collection lawsuits. The article starts with this: “The same problems that plagued the foreclosure process — and prompted a multibillion-dollar settlement with big banks — are now…