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…
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FAQ: What do I get for a rental when my car is damaged?
Question: I was involved in a car accident. My car was damaged. What does the insurance company owe me for a rental car? When you get in an accident, there will be a few days when your car is not…
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…
Do not miss your treatment
When you get in an accident, you may be injured. You may know it right away, or you may not. At the time, you may not believe you are injured. However, you may then develop pain. You decide to go…
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…
FAQ: How long is the statute of limitations?
Typically, someone will call me and say to me “How long do I have to sue?” To me, in legalese, we call it the Statute of Limitations. I hate legalese, but we can have that discussion another time! This list…
California Debt Blog: FAQ: What can a debt collector not do?
More from last week 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 tactics from…
FAQ: What is med pay coverage?
People spend a lot of time dealing with auto insurance. But, one question I get is “What is this medical payments (med pay) coverage that is listed?” Answer: First, you should know that every insurance policy, the actual policy with…
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…
Stop taking advice from non-attorneys
Please, stop taking advice from non-attorneys. They may be nice people. Some of them may be friends. Very few of them know what they are talking about. I went online today to see what was new in the world of…