My advice is simple: talk to an attorney. But, of course, I have a vested interest in that, right? I mean, in my perfect world, no one is sued. But, if you are sued, my next perfect world would be…
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California Debt Blog: Illinois Sues Debt Collector
The State of Illinois has sued a debt collector alleging the debt collector used profanity, contacted people at work, and attempted to collect debts that were 20 years old! I would say I am amazed by this, but alas, I…
My New Blog
I want to thank all of you who read this blog. It will continue, don’t worry about that. But, I am pleased to introduce my new blog, the California Debt Blog. This blog is geared towards those people who are…
California Debt Blog: Collection Agencies are Bullying Consumers
It is not just jme saying this. (Although, I would say it.) MSN recently reported on collection agencies bullying innocent consumers into paying debts that were not theirs! Listen to this: “Regulators say collection agencies increasingly are harassing innocent people…
California Debt Blog: FAQ: Contact from Debt Collectors
Q: So when can a debt collector call me? How often? Are there rules that govern communication from collectors? A: Debt collectors can call you, fax you, telex you, send you a telegram (if that is still around), and probably…
California Debt Blog: FAQ: Initial Information About The Debt
Q: What initial information does the debt collector need to tell me? A: Within 5 days of the initial contact, the collector must tell you the amount of the debt, the name of the creditor (the person who is owed…
California Debt Blog: FAQ: So what can a debt collector not do?
Ah, the crux of the issue. What practices are prohibited by these acts? Well, there are a lot, but here are the main areas of violation. Debt collectors may not tell you they are attorneys; misrepresent the amount of the…
California Debt Blog: FAQ: What is the Fair Debt Collection Practices Act (FDCPA)?
I guess before I tell you too much, I need to start with the very basic. What is the Fair Debt Collection Practices Act? At its most basic, the FDCPA is a Federal Law that governs the way that debt…
California Debt Blog: FAQ: Who is a debt collector and what is a debt?
Okay, so now that you know what the Acts are, what is covered by the Acts? I mean, is me lending $20 to my buddy and trying to get the money back covered by the Acts? How about if you…
California Debt Blog: Welcome!
Welcome to my debt blog. This blog is not about getting in debt, but rather helping you once you find yourself in debt. We all have heard the stories about collection agencies and their tactics. Some of you may not…