I get asked a lot about credit scores. But, most people do not even know what they are. So, a few credit score tips: 700 to 850 means you get the best interest rates; 550 to 699 means you are…
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California Debt Blog: FAQ: Should I let them lien my home?
Q: I have a debt with a credit card company. They want to put a lien on my home. Should I let them? A: Do NOT, let me say that again, NOT agree to a lien on your home. There…
California Debt Blog: FAQ: Can I sue someone outside of California?
Q: I need to file in small claims court. The other person is in another state. Can I sue them? A: You could file the lawsuit, but you cannot serve the lawsuit outside of California. You should read this from…
California Debt Blog: FAQ: When can I have negative remarks removed from my credit report?
Q: Since California has a 4 year statute of limitations, is there a way to have those removed from your credit record? A: You can have old debts removed from your credit, but it doesn’t have to do with the…
FAQ: Can they have to make me keep my car?
Q: My car was a total loss. Can they make me keep my car? A: It depends. Sorry, I wish I had a definitive answer for you. If it is the other person’s insurance, then they can deduct the salvage…
California Debt Blog: FAQ: How long does bad debt stay on my credit report?
Q: How long does a bad debt stay on my credit report? A: The bad debt generally has to come off after 7 years and 10 years for a bankruptcy. You need to review your credit report carefully for errors….
FAQ: I caused an accident and have no insurance. What can I do?
Q: I was in an accident. It was my fault. I don’t have insurance. What can I do? A: You have a few options: A – You pay him the amount of the estimate. B – You ask him to…
FAQ: When do I get my money from a settlement?
Q: I settled a case with the insurance. When do I get my money? A: It depends. (Good lawyer-like answer, isn’t it?) If you settled with an insurance company, it can be anywhere from immediately to 14 days. If there…
California Debt Blog: FAQ: Can I be arrested for passing a bad check?
Q: I wrote a check to a person the check bounced. It was returned for not sufficient funds (NSF). The other person said that he is going to the police so they can have me arrested. Can he really do…
FAQ: Don’t I get a rental car?
Q: My car was in a wreck. The insurance is XXX. Don’t they owe me transportation or a rental car while my car is being repaired without anything coming out of my pocket or whether or not I have a…