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Posts Tagged With: credit card

California Debt Blog: Debt validation letters

November 6, 2017 by Jonathan Stein

I have always told people, whenever you are contacted by a debt collector, the initial letter from the debt collector will state that you have the right to request validation of the debt within 30 days. You MUST, MUST, MUST…

Categories: Credit, Current Affairs, FDCPA, Hiring an attorney, Legal Process, Rosenthal Fair Debt Collection Practices Act, Rosenthal FDCPA Tags: BBB, better business bureau, California Attorney General, Cash Call, Cashcall, charge off, Chase, Christmas, Cosmopolitan, CPFB, Credit, credit card, credit negotiations, Credit.com, creditor, Current Affairs, debt collector, debt validation letter, debtor, Delaware Solutions, Experian, Fair Credit Reporting Act, Fair Debt Collection Practices Act, FCC, FCRA, FDCPA, FTC, Hanukkah, high interest, holiday debt, holiday shopping, holidays, JPMorgan Chase, K.I.P. LLC, KIP LLC, Legal Process, National Check Registry, negotiations, News, payday lender, payday loan, payday loan cycle, Ringless voice mail, Rosenthal Act, Rosenthal Fair Debt Collection Practices Act, Rosenthal FDCPA

California Debt Blog: Ringless Voice Mail and Debt Collectors

June 6, 2017 by Jonathan Stein

You take a break at work and find some voice mail messages. The weird thing is that your phone did not ring. How did these messages get here? Lilian Min at Cosmopolitan covers this in a new story she has…

Categories: Current Affairs, FDCPA, Legal Process, News, Rosenthal FDCPA Tags: BBB, better business bureau, California Attorney General, Cash Call, Cashcall, charge off, Chase, Christmas, Cosmopolitan, CPFB, Credit, credit card, credit negotiations, Credit.com, creditor, Current Affairs, debt collector, debtor, Delaware Solutions, Experian, Fair Credit Reporting Act, Fair Debt Collection Practices Act, FCC, FCRA, FDCPA, FTC, Hanukkah, high interest, holiday debt, holiday shopping, holidays, JPMorgan Chase, K.I.P. LLC, KIP LLC, Legal Process, National Check Registry, negotiations, News, payday lender, payday loan, payday loan cycle, Ringless voice mail, Rosenthal Act, Rosenthal Fair Debt Collection Practices Act, Rosenthal FDCPA

California Debt Blog: Debt Collection is #1 Again – In Complaints

January 8, 2017 by Jonathan Stein

So, it turns out that when you are really good at something you should continue doing it. In this case, debt collectors are really good at having complaints filed against them with the Consumer Financial Protection Bureau. According to this…

Categories: Credit, Current Affairs, FDCPA, Legal Process, News Tags: BBB, better business bureau, California Attorney General, Cash Call, Cashcall, charge off, Chase, Christmas, CPFB, Credit, credit card, credit negotiations, Credit.com, creditor, Current Affairs, debt collector, debtor, Delaware Solutions, Experian, Fair Credit Reporting Act, Fair Debt Collection Practices Act, FCRA, FDCPA, FTC, Hanukkah, high interest, holiday debt, holiday shopping, holidays, JPMorgan Chase, K.I.P. LLC, KIP LLC, Legal Process, National Check Registry, negotiations, News, payday lender, payday loan, payday loan cycle, Rosenthal Act, Rosenthal Fair Debt Collection Practices Act, Rosenthal FDCPA

California Debt Blog: Debt collectors calling about debts you do not owe

August 24, 2016 by Jonathan Stein

Debt collectors call a lot of people about debts. Heck, I got a call over the weekend from Portfolio Recovery Associates about a debt owed by Jonathan A Stein. Of course, that isn’t my name. And the last four of…

Categories: Credit, Current Affairs, FCRA, FDCPA, Hiring an attorney, Legal Process, News, Rosenthal FDCPA Tags: BBB, better business bureau, California Attorney General, Cash Call, Cashcall, charge off, Chase, Christmas, CPFB, Credit, credit card, credit negotiations, Credit.com, creditor, Current Affairs, debt collector, debtor, Delaware Solutions, Experian, Fair Credit Reporting Act, Fair Debt Collection Practices Act, FCRA, FDCPA, FTC, Hanukkah, high interest, holiday debt, holiday shopping, holidays, JPMorgan Chase, K.I.P. LLC, KIP LLC, Legal Process, National Check Registry, negotiations, News, payday lender, payday loan, payday loan cycle, Rosenthal Act, Rosenthal Fair Debt Collection Practices Act, Rosenthal FDCPA

California Debt Blog: Debt Collection is the 2nd Most Popular Scam

February 2, 2016 by Jonathan Stein

The Better Business Bureau came out with their top 10 scams of 2015. Yes, I know it is already February of 2016, but I had to help people who were victims of the first two scams: IRS issues and debt…

Categories: Credit, Current Affairs, FDCPA, News, Rosenthal FDCPA Tags: BBB, better business bureau, California Attorney General, Cash Call, Cashcall, charge off, Chase, Christmas, CPFB, Credit, credit card, credit negotiations, Credit.com, creditor, Current Affairs, debt collector, debtor, Delaware Solutions, Experian, Fair Credit Reporting Act, Fair Debt Collection Practices Act, FCRA, FDCPA, FTC, Hanukkah, high interest, holiday debt, holiday shopping, holidays, JPMorgan Chase, K.I.P. LLC, KIP LLC, Legal Process, National Check Registry, negotiations, News, payday lender, payday loan, payday loan cycle, Rosenthal Act, Rosenthal Fair Debt Collection Practices Act, Rosenthal FDCPA, Rosenthal FDCPA | Permalink | Comments (0) Technorati Tags: BAM Financial, scams, stipulated judgment, Suze Orman, top scams

California Debt Blog: FREE Credit Report Review

March 14, 2014 by Jonathan Stein

Did you know that up to 25% of credit reports have an error? Yes, a new study by the Federal Trade Commission (FTC) finds that “25 percent of consumers identified errors on their credit reports that might affect their credit…

Categories: Credit, Current Affairs, FCRA, FDCPA, Hiring an attorney, Legal Process, News Tags: Annual Credit Report, consumer, credit card, credit reporting agency, credit reports, credit score, Equifax, Experian, Federal Trade Commission, FTC, Huffington Post, interest rate, Trans Union, www.annualcreditreport.com, www.freecreditreport.com

California Debt Blog: 5 MORE MISTAKES YOU MUST AVOID WITH YOUR CREDIT

November 15, 2013 by Jonathan Stein

I previously gave you 5 mistakes to avoid with your credit. So as people are ramping up their holiday shopping, I thought I would share with you 5 more mistakes to avoid with your credit. The difference between good credit…

Categories: Credit, Current Affairs, FDCPA, Hiring an attorney, Legal Process, News, Rosenthal FDCPA Tags: bad credit, bankruptcy, Credit, credit card, credit cards, credit counseling, credit limit, credit reporting agency, credit score, Equifax, Experian, good credit, identity theft, TransUnion

California Debt Blog: Persolve LLC

June 14, 2013 by Jonathan Stein

I have a new case with Persolve, LLC that I thought I would write about. Persolve sued my client. My client doesn’t owe the money. So I filed an answer and served discovery. Persolve just responded to my discovery. They…

Categories: Current Affairs, FCRA, FDCPA, Hiring an attorney, Legal Process, News, Rosenthal FDCPA Tags: bill of sale, credit card, credit card lawsuit, debt collection lawsuit, Fair Debt Collection Practices Act, FDCPA, lawsuit, Persolve, Rosenthal Fair Debt Collection Practices Act, Rosenthal FDCPA

California Debt Blog: Don’t send out a written “instrument”

March 8, 2013 by Jonathan Stein

There must be something in the air. I have had two calls this week for helping defending lawsuits based on the concept of “written instruments.” What does this mean? As I understand the latest theory, and it has changed some…

Categories: Credit, Current Affairs, Legal Process, News Tags: canceled check, check, closed account, credit card, credit card debt, debt, debt collection, debt collector, lawsuit, written instrument

California Debt Blog: Problems with Debt Collection Lawsuits

August 14, 2012 by Jonathan Stein

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…

Categories: Current Affairs, FAQ, FDCPA, Hiring an attorney, Legal Process, Rosenthal FDCPA Tags: client attorney consumers, collection debt, credit card, default judgment lawyer, Equable Ascent Financial Recovery, Erica Brachfeld, FDCPA, Frederick J Hanna, lawsuit debt, Rosenthal Act, Vital Recovery

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