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: Rosenthal FDCPA
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: Aggressive Debt Collection Tactics Continue
I previously wrote about Jim Puzzanghera of the LA Times and his a great story on debt collection tactics. Jim’s first paragraph tells the story of most people these days: “Hard economic times have helped push millions of Americans deeply…
California Debt Blog: I co-signed for a loan. What is my liability?
Question: I co-signed for a friend for a loan. She stopped making payments. I am now getting calls from the creditor. Am I responsible? A: Yes, you are responsible. The creditor can sue you for the full amount of the…
California Debt Blog: Why you should demand validation of a debt
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. Even a debt collector like Persolve, Midland Funding, CACH,…
California Debt Blog: Collecting on a debt past the statute of limitations
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…
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…