Q: What is a validation letter and why should I send it? A: A validation letter is simply a letter to the debt collector telling them that you dispute the debt. It can be sent by either the consumer or…
Posts Categorized In: Rosenthal FDCPA
California Debt Blog: Keep track of your settlements
I have had two cases recently that have shown me a disturbing trend: debt collectors settling issues and then turning around and demanding more money! In one case, Erica Brachfeld, who also goes by Brachfeld Law Group, settled a case…
California Debt Blog: Regional Arbitration Services
I have recently been contacted by several people who have had dealings with this company. As far as I can tell, Regional Arbitration Services is not an arbitration company at all, but rather a debt collection agency. I have never…
California Debt Blog: Aggressive Debt Collection Tactics
Jim Puzzanghera of the LA Times wrote a great story on debt collection tactics. Jim’s first paragraph tells the story of most people these days: “Hard economic times have helped push millions of Americans deeply into debt, plunging many into…
California Debt Blog: Free Consumer Reports
It has been a while since I have shared this so I thought I would put it out there again. I have written a TON of free reports about the legal system, the law, insurance companies and personal injury cases….
California Debt Blog: Problems with Debt Collection Lawsuits
The New York Times has an excellent article on the problem with debt collection lawsuits. The article starts with this: “The same problems that plagued the foreclosure process — and prompted a multibillion-dollar settlement with big banks — are now…
California Debt Blog: Debt collectors are not your friends
I have seen a new trend and one that troubles me. Debt collectors are not being the big mean jerks we expect. Rather, they are trying to be your friend. I even had a guy call me on behalf of…
California Debt Blog: FAQ: What is a debt collector forbidden from doing?
Question: I think my debt collector is harassing me. What is the debt collector legally forbidden from doing to collect the debt? Answer: The Federal Trade Commission publishes a guide for consumers that details exactly what debt collectors can and…
California Debt Blog: Supreme Court Ruling Helps Protect Consumers from Debt Collectors
On April 21 the U.S. Supreme Court issued a ruling in favor of debtors who are subject to abuses at the hands of debt collectors. In Jerman v. Carlisle, the Court ruled that if a debt collector makes an incorrect…
California Debt Blog: Do Not Call List Basics
Question: If I place my name on the Do Not Call Registry, will it stop my creditors from calling me? Answer: No. The Do Not Call Registry will prevent telemarketers from calling your home or cell phone. Once you have…