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Posts Tagged With: Rosenthal Act

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: You may limit “prescreened” offers of credit and insurance you get based on information in your credit report

December 31, 2014 by Jonathan Stein

Unsolicited “prescreened” offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit…

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 give your consent for credit reports to be provided to employers

December 30, 2014 by Jonathan Stein

A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer.

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: Access to your credit report file is limited

December 29, 2014 by Jonathan Stein

A consumer reporting agency may provide information about you only to people with a valid need – usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for…

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 seek damages from companies and individuals that violate your rights with your credit report

December 28, 2014 by Jonathan Stein

If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.

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: Consumer reporting agencies may not report outdated negative information on your credit report

December 27, 2014 by Jonathan Stein

In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.

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

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