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Blog

California Debt Blog: The internet is hurting your debt collection defense

January 17, 2014 by Jonathan Stein

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:…

Categories: Credit, Current Affairs, FDCPA, Hiring an attorney, Legal Process, News, Rosenthal FDCPA Tags: CACH, debt collection, debt collection lawsuit, debt collector, Fair Debt Collection Practices Act, FDCPA, lawyers, Midland Funding, motion to dismiss, Persolve, R-FDCPA, RFDCPA, Rosenthal Act, Rosenthal Fair Debt Collection Practices Act

10 Steps To Avoid Getting Less than Fair Market Value for Your Damaged Car

January 10, 2014 by Jonathan Stein

The first time most people deal with an insurance company is with their car. You are involved in a crash and everyone thinks “What about my car?” Or “My car is a total loss. Now what?” A smart insurance adjuster…

Categories: Auto Insurance, Claims, Consumer Issues, Current Affairs, Hiring an attorney, Insurance Operations, Law, Personal Injury Tags: aftermarket parts, auto accident, auto crash, car accident, car crash, fair market value, insurance adjuster, insurance claim, insurance company, motor vehicle accident, motor vehicle crash, property damage, property damage claim, total loss, used car, vehicle

California Debt Blog: People v. Persolve – my perspective

January 10, 2014 by Jonathan Stein

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…

Categories: Credit, Current Affairs, FCRA, FDCPA, Hiring an attorney, Legal Process, News, Rosenthal FDCPA Tags: debt collection, debt collector, district attorney, Edit Alexandryan, Fair Debt Collection Practices Act, FDCPA, Kern County, Persolve, Persolve LLC, R-FDCPA, RFDCPA, Rosenthal Act, Rosenthal Fair Debt Collection Practices Act, Ventura County

New study cites youth, inexperience and risky driving behaviors

January 3, 2014 by Jonathan Stein

The New England Journal of Medicine reported in a new study that the major causes of accidents for teens are inexperience and risky driving behaviors. What behaviors do these kids have? The things we would expect: talking on a cell…

Categories: Auto Insurance, Consumer Issues, Current Affairs, Law, Personal Injury Tags: car accident, car crash, cell phone, driving instructor, New England Journal of Medicine, teen driving, teens

Surfing and Driving

December 13, 2013 by Jonathan Stein

This is shocking to me. I know people call and drive. I know people text and drive. But apparently almost 1 in 4 drivers is also surfing the internet and driving! I would have assumed it was mostly a kid…

Categories: Consumer Issues, Current Affairs, Law, Personal Injury Tags: accident, car accident, car crash, insurance, motor vehicle accident, motor vehicle crash, smart phone, surfing and driving, text, texting and driving

California Debt Blog: Fair Debt Buying Practices Act to the Rescue

December 13, 2013 by Jonathan Stein

Debt collectors have been suing consumers for years with very little proof that the consumer owes any money. You have probably heard some of these names: Persolve, LLC, Asset Acceptance, CACH, FFIC, Midland Funding, Cavalry, etc…. In two recent cases…

Categories: Current Affairs, FAQ, FCRA, FDCPA, Hiring an attorney, Legal Process, News, Rosenthal FDCPA Tags: Asset Acceptance, attorney fees, bill of sale, buyers, CACH, Cavalry, consumers, debt, debt buyer, debt collectors, Midland Funding, Persolve, suing

Move over after an accident

December 12, 2013 by Jonathan Stein

The California Department of Motor Vehicles has started a new campaign. The electronic signs on the freeway politely remind motorists to move out of traffic if they are involved in a minor car crash. This is great advice – and…

Categories: Auto Insurance, Consumer Issues, Current Affairs, Law, Personal Injury Tags: accident, California Department of Motor Vehicles, California DMV, car accident, car crash, DMV, minor accident, motorist, traffic

FAQ: Does the insurance company have to take my car?

November 22, 2013 by Jonathan Stein

Q: My car was a total loss. Can the insurance make me keep my car or do they have to take the car? A: As much as I hate giving this answer, the answer is that it depends. Don’t shoot…

Categories: Auto Insurance, Claims, Consumer Issues, Current Affairs, Hiring an attorney, Insurance and Claims FAQ, Insurance Operations, Law, Personal Injury Tags: auto insurance, car, car insurance, customer service, insurance company, salvage, salvage value, salvage yard, third party, total loss

California Debt Blog: Beware of Upstate New York Debt Collectors

November 22, 2013 by Jonathan Stein

I was doing some checking on a debt collector that left a voice mail for one of my clients. In the voice mail, the debt collector threatened to turn this matter over to the DA for a bench warrant. (That…

Categories: Credit, Current Affairs, FDCPA, Hiring an attorney, Legal Process, News, Rosenthal FDCPA Tags: 4 Star Resolution, 4Star Resolution, BBB, bench warrant, consumers, debt collector, Fair Debt Collection Practices Act, FDCPA, Four Star Resolution, FourStar Resolution, payday loans, R-FDCPA, Rosenthal Act, Rosenthal FDCPA, Upstate New York, voice mail

5 More Mistakes People Make During the Claims Process

November 15, 2013 by Jonathan Stein

To err is human, to forgive is divine. In that case, we are all going to err during the auto insurance claims process. It happens. If we were perfect, then there would be a lot of attorneys out of a…

Categories: Auto Insurance, Business Insurance, Claims, Consumer Issues, Current Affairs, Hiring an attorney, Insurance Operations, Law, Personal Injury Tags: auto insurance, car accident, car crash, collision, comprehensive, insurance adjuster, insurance claim, insurance company, motor vehicle accident, motor vehicle collision

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