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Posts Categorized In: Legal Process

California Debt Blog: Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information

December 26, 2014 by Jonathan Stein

Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, the consumer reporting agency is not required to remove accurate derogatory information from your file unless it is outdated or cannot be verified. A consumer…

Categories: Credit, Current Affairs, Evictions, FAQ, FCRA, FDCPA, Hiring an attorney, Landlord Tenant, Legal Process, News, Rosenthal FDCPA, Unlawful Detainers Tags: 3 day notice, 3 day notice to pay rent or quit, 30 day notice, 5 day notice, 60 day notice, 90 day notice, Brachfeld and Associates, CACH, CACV, cash advance, Cashcall, CGA Property Management, Cornette Property Management, credit file, credit report, credit score, debt, debt collection, debt collector, debt validation, Equifax, Erica Brachfeld, eviction, eviction defense, Experian, Fair Credit Reporting Act, Fair Debt Collection Practices Act, Fair Isaac, FCRA, FDCPA, FICO, foreclosure, Frederick J Hanna, Frederick J Hanna & Associates, Hanna & Associates, HomePointe, HomePointe Property Management, Horizon Properties, landlord tenant, LVNV, Mark III, Mark III Property Management, Midland Credit Management, Midland Funding, nail and mail, NCO, NCO Financial, notice, notice to pay rent, Partners, Patenaude and Felix, payday loan, Persolve, Protecting Tenants at Foreclosure Act, PTFA, R-FDCPA, Realty Roundup, Realty Roundup Property Management, Resurgent Capital, RFDCPA, River City Property Management, Rosenthal Act, Rosenthal Fair Debt Collection Practices Act, Sac City Rentals, SacCirtyRentals.com, SacCityRentals, Sacramento Delta Property Management, served, short term debt, short term loan, Tiner Property Management, Titan Property Management, title loan, Trans Union, TransUnion, Unifund, Unifund CCR, unlawful detainer, validation

California Debt Blog: You have the right to dispute incomplete or inaccurate information on your credit report

December 24, 2014 by Jonathan Stein

If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.ftc.gov/creditforan explanation of dispute procedures.

Categories: Credit, Current Affairs, Evictions, FAQ, FCRA, FDCPA, Hiring an attorney, Landlord Tenant, Legal Process, News, Rosenthal FDCPA, Unlawful Detainers Tags: 3 day notice, 3 day notice to pay rent or quit, 30 day notice, 5 day notice, 60 day notice, 90 day notice, Brachfeld and Associates, CACH, CACV, cash advance, Cashcall, CGA Property Management, Cornette Property Management, credit file, credit report, credit score, debt, debt collection, debt collector, debt validation, Equifax, Erica Brachfeld, eviction, eviction defense, Experian, Fair Credit Reporting Act, Fair Debt Collection Practices Act, Fair Isaac, FCRA, FDCPA, FICO, foreclosure, Frederick J Hanna, Frederick J Hanna & Associates, Hanna & Associates, HomePointe, HomePointe Property Management, Horizon Properties, landlord tenant, LVNV, Mark III, Mark III Property Management, Midland Credit Management, Midland Funding, nail and mail, NCO, NCO Financial, notice, notice to pay rent, Partners, Patenaude and Felix, payday loan, Persolve, Protecting Tenants at Foreclosure Act, PTFA, R-FDCPA, Realty Roundup, Realty Roundup Property Management, Resurgent Capital, RFDCPA, River City Property Management, Rosenthal Act, Rosenthal Fair Debt Collection Practices Act, Sac City Rentals, SacCirtyRentals.com, SacCityRentals, Sacramento Delta Property Management, served, short term debt, short term loan, Tiner Property Management, Titan Property Management, title loan, Trans Union, TransUnion, Unifund, Unifund CCR, unlawful detainer, validation

California Debt Blog: You have the right to ask for your credit score

December 23, 2014 by Jonathan Stein

Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have…

Categories: Credit, Current Affairs, Evictions, FAQ, FCRA, FDCPA, Hiring an attorney, Landlord Tenant, Legal Process, News, Rosenthal FDCPA, Unlawful Detainers Tags: 3 day notice, 3 day notice to pay rent or quit, 30 day notice, 5 day notice, 60 day notice, 90 day notice, Brachfeld and Associates, CACH, CACV, cash advance, Cashcall, CGA Property Management, Cornette Property Management, credit file, credit report, credit score, debt, debt collection, debt collector, debt validation, Equifax, Erica Brachfeld, eviction, eviction defense, Experian, Fair Credit Reporting Act, Fair Debt Collection Practices Act, Fair Isaac, FCRA, FDCPA, FICO, foreclosure, Frederick J Hanna, Frederick J Hanna & Associates, Hanna & Associates, HomePointe, HomePointe Property Management, Horizon Properties, landlord tenant, LVNV, Mark III, Mark III Property Management, Midland Credit Management, Midland Funding, nail and mail, NCO, NCO Financial, notice, notice to pay rent, Partners, Patenaude and Felix, payday loan, Persolve, Protecting Tenants at Foreclosure Act, PTFA, R-FDCPA, Realty Roundup, Realty Roundup Property Management, Resurgent Capital, RFDCPA, River City Property Management, Rosenthal Act, Rosenthal Fair Debt Collection Practices Act, Sac City Rentals, SacCirtyRentals.com, SacCityRentals, Sacramento Delta Property Management, served, short term debt, short term loan, Tiner Property Management, Titan Property Management, title loan, Trans Union, TransUnion, Unifund, Unifund CCR, unlawful detainer, validation

California Debt Blog: You have the right to know what is in your credit report and credit file

December 22, 2014 by Jonathan Stein

You may request and obtain all the information about you in the files of a consumer reporting agency. You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be…

Categories: Credit, Current Affairs, Evictions, FAQ, FCRA, FDCPA, Hiring an attorney, Landlord Tenant, Legal Process, News, Rosenthal FDCPA, Unlawful Detainers Tags: 3 day notice, 3 day notice to pay rent or quit, 30 day notice, 5 day notice, 60 day notice, 90 day notice, Brachfeld and Associates, CACH, CACV, cash advance, Cashcall, CGA Property Management, Cornette Property Management, credit file, credit report, credit score, debt, debt collection, debt collector, debt validation, Equifax, Erica Brachfeld, eviction, eviction defense, Experian, Fair Credit Reporting Act, Fair Debt Collection Practices Act, Fair Isaac, FCRA, FDCPA, FICO, foreclosure, Frederick J Hanna, Frederick J Hanna & Associates, Hanna & Associates, HomePointe, HomePointe Property Management, Horizon Properties, landlord tenant, LVNV, Mark III, Mark III Property Management, Midland Credit Management, Midland Funding, nail and mail, NCO, NCO Financial, notice, notice to pay rent, Partners, Patenaude and Felix, payday loan, Persolve, Protecting Tenants at Foreclosure Act, PTFA, R-FDCPA, Realty Roundup, Realty Roundup Property Management, Resurgent Capital, RFDCPA, River City Property Management, Rosenthal Act, Rosenthal Fair Debt Collection Practices Act, Sac City Rentals, SacCirtyRentals.com, SacCityRentals, Sacramento Delta Property Management, served, short term debt, short term loan, Tiner Property Management, Titan Property Management, title loan, Trans Union, TransUnion, Unifund, Unifund CCR, unlawful detainer, validation

California Debt Blog: You must be told if information in your credit file file has been used against you

December 20, 2014 by Jonathan Stein

Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against you – must tell you, and must give you the name,…

Categories: Credit, Current Affairs, Evictions, FAQ, FCRA, FDCPA, Hiring an attorney, Landlord Tenant, Legal Process, News, Rosenthal FDCPA, Unlawful Detainers Tags: 3 day notice, 3 day notice to pay rent or quit, 30 day notice, 5 day notice, 60 day notice, 90 day notice, Brachfeld and Associates, CACH, CACV, cash advance, Cashcall, CGA Property Management, Cornette Property Management, credit file, credit report, credit score, debt, debt collection, debt collector, debt validation, Equifax, Erica Brachfeld, eviction, eviction defense, Experian, Fair Credit Reporting Act, Fair Debt Collection Practices Act, Fair Isaac, FCRA, FDCPA, FICO, foreclosure, Frederick J Hanna, Frederick J Hanna & Associates, Hanna & Associates, HomePointe, HomePointe Property Management, Horizon Properties, landlord tenant, LVNV, Mark III, Mark III Property Management, Midland Credit Management, Midland Funding, nail and mail, NCO, NCO Financial, notice, notice to pay rent, Partners, Patenaude and Felix, payday loan, Persolve, Protecting Tenants at Foreclosure Act, PTFA, R-FDCPA, Realty Roundup, Realty Roundup Property Management, Resurgent Capital, RFDCPA, River City Property Management, Rosenthal Act, Rosenthal Fair Debt Collection Practices Act, Sac City Rentals, SacCirtyRentals.com, SacCityRentals, Sacramento Delta Property Management, served, short term debt, short term loan, Tiner Property Management, Titan Property Management, title loan, Trans Union, TransUnion, Unifund, Unifund CCR, unlawful detainer, validation

California Debt Blog: You May Not Always Need an Attorney for a Landlord Tenant Dispute

December 19, 2014 by Jonathan Stein

here may be problems that you can resolve without an attorney. The California Department of Consumer Affairs (DCA) has a website with excellent information and sources of information. You may want to consult them. 10. Hire an attorney. When all…

Categories: Current Affairs, Evictions, FAQ, Hiring an attorney, Landlord Tenant, Legal Process, News, Unlawful Detainers Tags: 3 day notice to pay rent or quit, 30 day notice, 5 day notice, 60 day notice, 90 day notice, Brachfeld and Associates, CACH, CACV, cash advance, Cashcall, CGA Property Management, Cornette Property Management, credit score, debt, debt collection, debt collector, debt validation, Equifax, Erica Brachfeld, eviction, eviction defense, Experian, Fair Debt Collection Practices Act, Fair Isaac, FDCPA, FICO, foreclosure, Frederick J Hanna, Frederick J Hanna & Associates, Hanna & Associates, HomePointe, HomePointe Property Management, Horizon Properties, landlord tenant, LVNV, Mark III, Mark III Property Management, Midland Credit Management, Midland Funding, nail and mail, NCO, NCO Financial, notice, notice to pay rent, Partners, Patenaude and Felix, payday loan, Persolve, Protecting Tenants at Foreclosure Act, PTFA, R-FDCPA, Realty Roundup, Realty Roundup Property Management, Resurgent Capital, RFDCPA, River City Property Management, Rosenthal Act, Rosenthal Fair Debt Collection Practices Act, Sac City Rentals, SacCirtyRentals.com, SacCityRentals, Sacramento Delta Property Management, served, short term debt, short term loan, Tiner Property Management, Titan Property Management, title loan, Trans Union, TransUnion, Unifund, Unifund CCR, unlawful detainer, validation

California Debt Blog: How Much Notice Must a Landlord Give a Tenant?

December 10, 2014 by Jonathan Stein

This may be the most common question I get from tenants. How much notice does my landlord need to give me before I have to move? Let me start with this: The first step in any eviction is for you…

Categories: Credit, Current Affairs, Evictions, FAQ, Hiring an attorney, Landlord Tenant, Legal Process, News, Unlawful Detainers Tags: 3 day notice, 30 day notice, 5 day notice, 60 day notice, 90 day notice, Brachfeld and Associates, CACH, CACV, cash advance, Cashcall, CGA Property Management, Cornette Property Management, credit score, debt, debt collection, debt collector, debt validation, Equifax, Erica Brachfeld, eviction, eviction defense, Experian, Fair Debt Collection Practices Act, Fair Isaac, FDCPA, FICO, foreclosure, Frederick J Hanna, Frederick J Hanna & Associates, Hanna & Associates, HomePointe, HomePointe Property Management, Horizon Properties, landlord tenant, LVNV, Mark III, Mark III Property Management, Midland Credit Management, Midland Funding, nail and mail, NCO, NCO Financial, notice, Partners, Patenaude and Felix, payday loan, Persolve, Protecting Tenants at Foreclosure Act, PTFA, R-FDCPA, Realty Roundup, Realty Roundup Property Management, Resurgent Capital, RFDCPA, River City Property Management, Rosenthal Act, Rosenthal Fair Debt Collection Practices Act, Sac City Rentals, SacCirtyRentals.com, SacCityRentals, Sacramento Delta Property Management, served, short term debt, short term loan, Tiner Property Management, Titan Property Management, title loan, Trans Union, TransUnion, Unifund, Unifund CCR, unlawful detainer, validation

California Debt Blog: 5 More Mistakes People Make With Their Credit

December 9, 2014 by Jonathan Stein

I previously wrote about mistakes people make with their credit when they are trying to increase their credit score. There are some very basic things you can do that most people think are helping them, but really are not helping…

Categories: Credit, Current Affairs, FCRA, Hiring an attorney, Legal Process Tags: Brachfeld and Associates, CACH, CACV, cash advance, Cashcall, credit score, debt, debt collection, debt collector, debt validation, Equifax, Erica Brachfeld, Experian, Fair Debt Collection Practices Act, Fair Isaac, FDCPA, FICO, Frederick J Hanna, Frederick J Hanna & Associates, Hanna & Associates, LVNV, Midland Credit Management, Midland Funding, NCO, NCO Financial, Partners, Patenaude and Felix, payday loan, Persolve, R-FDCPA, Resurgent Capital, RFDCPA, Rosenthal Act, Rosenthal Fair Debt Collection Practices Act, short term debt, short term loan, title loan, Trans Union, TransUnion, Unifund, Unifund CCR, validation

California Debt Blog: More IRS Scam Warning

December 9, 2014 by Jonathan Stein

I previously told you about an IRS scam that is going around. Well, the IRS scam is coming from a few numbers. So I thought I would share another message: “Hello we have been trying to reach you. This automated…

Categories: Credit, Current Affairs, FAQ, FCRA, FDCPA, Hiring an attorney, Legal Process, News, Rosenthal FDCPA Tags: 3 day notice to pay rent or quit, 30 day notice, 5 day notice, 60 day notice, 90 day notice, Brachfeld and Associates, CACH, CACV, cash advance, Cashcall, CGA Property Management, Cornette Property Management, Credit, credit file, credit report, credit score, Current Affairs, debt, debt collection, debt collector, debt validation, Equifax, Erica Brachfeld, eviction, eviction defense, Experian, Fair Credit Reporting Act, Fair Debt Collection Practices Act, Fair Isaac, fake IRS, FAQ, FCRA, FDCPA, FICO, foreclosure, Frederick J Hanna, Frederick J Hanna & Associates, Hanna & Associates, hiring an attorney, HomePointe, HomePointe Property Management, Horizon Properties, Internal Revenue Service, Internal Revenue Service scam, IRS, IRS fraud, IRS scam, landlord tenant, LVNV, Mark III, Mark III Property Management, Midland Credit Management, Midland Funding, nail and mail, NCO, NCO Financial, News, notice, notice to pay rent, Partners, Patenaude and Felix, payday loan, Persolve, Protecting Tenants at Foreclosure Act, PTFA, R-FDCPA, Realty Roundup, Realty Roundup Property Management, Resurgent Capital, RFDCPA, River City Property Management, Rosenthal Act, Rosenthal Fair Debt Collection Practices Act, Rosenthal FDCPA | Permalink Technorati Tags: 3 day notice, Sac City Rentals, SacCirtyRentals.com, SacCityRentals, Sacramento Delta Property Management, scam, served, short term debt, short term loan, Tiner Property Management, Titan Property Management, title loan, Trans Union, TransUnion, Unifund, Unifund CCR, unlawful detainer, validation

California Debt Blog: 5 Mistakes People Make With Their Credit

December 8, 2014 by Jonathan Stein

People are concerned, rightly so, about their credit scores. A lot of people are trying to do what they can to increase their credit score. While a commendable goal, there are some things you should NOT do. Here are 5…

Categories: Credit, Current Affairs, FCRA, Hiring an attorney, Legal Process Tags: Brachfeld and Associates, CACH, CACV, cash advance, Cashcall, credit score, debt, debt collection, debt collector, debt validation, Equifax, Erica Brachfeld, Experian, Fair Debt Collection Practices Act, Fair Isaac, FDCPA, FICO, Frederick J Hanna, Frederick J Hanna & Associates, Hanna & Associates, LVNV, Midland Credit Management, Midland Funding, NCO, NCO Financial, Partners, Patenaude and Felix, payday loan, Persolve, R-FDCPA, Resurgent Capital, RFDCPA, Rosenthal Act, Rosenthal Fair Debt Collection Practices Act, short term debt, short term loan, title loan, Trans Union, TransUnion, Unifund, Unifund CCR, validation

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