I have talked about debt collectors collecting on a debt past the statute of limitations before. But, it is time to update this as it continues to happen! The statute of limitations states a certain amount of time for a…
Posts Tagged With: RFDCPA
California Debt Blog: FAQ: My debt has been “charged off.” Do I still owe the debt?
Question: My debt has been charged off on my credit report. I read that I do not owe the debt once it is charged off. Do I still owe the debt? A: YES. Is that clear enough? You still owe…
California Debt Blog: Phony payday debt collectors are back
So it looks like the phony payday debt collectors are back. Don’t confuse debt collectors with these folks. I may not like debt collectors, but even the worst US debt collectors don’t do stuff like these people. Collectors like Persolve…
California Debt Blog: FAQ: Can my wages be garnished and what do I do if a debt collector violates the law?
More from the last two weeks on what a debt collector cannot do. This is based on the federal Fair Debt Collection Practices Act (FDCPA) and the California Rosenthal Act (also called the Rosenthal FDCPA). You may have seen these…
California Debt Blog: FAQs on the Fair Debt Collection Practices Act
I get a lot of questions about the Fair Debt Collection Practices Act. People are confused about what it means and what rights they have. This is important to know when you are contacted by a debt collector such as…
California Debt Blog: The internet is hurting your debt collection defense
Yes, it is true. The internet is hurting you. It is out there making your life more difficult and making my life more difficult. It is causing you to believe things that are not true. Let me start with this:…
California Debt Blog: People v. Persolve – my perspective
The California 5th District Court of Appeals came out with a decision on August 15, 2013. That decision, in People v. Persolve, is an interesting discussion of the litigation privilege. Here is a good blurb in Enligsh from California Appellate…
California Debt Blog: The Consumer Protection Financial Bureau Wants to Hear From You
This comes to you from the Consumer Protection Financial Bureau: We want to hear about your debt collection experience—weigh in now. Since we began taking debt collection complaints a few months ago, companies have responded to more than 5,000 debt…
California Debt Blog: Debt Collectors Using Facebook, Twitter
KSL-5 out of Utah is reporting on debt collectors using social media to track down debtors. This shouldn’t come as a huge surprise to anyone. Debt collectors will use whatever technology they can to try to get as much information…
California Debt Blog: Debt Collector Fined for Text Messages, Envelope
This is a new one for me. When I read this story, I thought maybe I was reading The Onion. But, I went back and looked and it was from ABC. Here is the opening paragraph: “A debt collector is…