We all know that the 3 most important things in retail are location, location, location. Well, the three most things when you are contacted by a debt collection agency are verification, verification, verification. Many times, they do not have any…
Posts Categorized In: FDCPA
California Debt Blog: Sample Verification letter
Yesterday, I gave you a sample cease and desist letter. Today, I am giving you a sample verification letter. Just send this to the debt collector when you want verification of the debt. Make sure you send it within 30…
California Debt Blog: Sample Cease and Desist Letter
Since I get so many requests for it, I am going to give you a sample letter that you can send to a debt collector that tells them to leave you alone: VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED ABC Debt…
California Debt Blog: Debt Collector Complaints on the Rise
Its not just the attorneys out there telling you that debt collectors are problems. Of course, I am going to keep telling it to you until they clean up, which I am guessing will happen shortly after they are either…
California Debt Blog: Is he really a lawyer?
As you may know, it is a violation of the FDCPA and the Rosenthal FDCPA for a debt collector to simulate being an attorney. In other words, a debt collector who is not an attorney cannot call you and say…
California Debt Blog: FDCPA Cease Communication Letter
I was perusing the website of the famous Bud Hibbs. I came across Bud’s FREE cease communication letter. What a great letter it is. And, as I said, it is FREE, so you can’t beat the price. Bud’s letter, and…
California Debt Blog: FAQ: Does the FDCPA apply to the original creditor?
Q: I have a credit card. I am behind in payments. I have been receiving a lot of phone calls from the credit card company. I think they are harassing me. Do I have any protection? A: You may have…
California Debt Blog: FAQ: Can they levy my bank account?
Q: I reached a settlement with a collection agency. Before I paid them, they levied my bank account. Is that legal? A: If you have a payment agreement, it is probably a violation of the FDCPA and the Rosenthal Act…
California Debt Blog: Law Firms Can be Responsible Under FDCPA
A NY judge has determined that a law firm can violate the FDCPA (Fair Debt Collections Practices Act) by not having an attorney “meaningfully review” a file. The judge determined that a jury could conclude that the firm did not…
California Debt Blog: FAQ: My debt has been “charged off.” Do I still owe the debt?
Q: My debt has been charged off. Do I still owe the debt? A: You still owe the charged-off debt. Many people mistakenly believe a creditor does not want to collect a charged-off account. Wrong-o! A charge off is merely…