Debt Collectors and Social Media…
The Fair Debt Collection Practices Act, (FDCPA) does not specifically prohibit debt collectors from using Facebook, Twitter or LinkedIn to locate and contact you about your debt. Under the FDCPA,...
View ArticleThe Chapter 7 Bankruptcy Process
The following is a step-by-step explanation of Chapter 7 bankruptcy process after meeting with me: A bankruptcy petition and schedule will be prepared You must complete a short online credit counseling...
View ArticleBankruptcy and Debt Collectors
A creditor is never allowed to harass you and the law provides many remedies for consumers who are being harassed by rogue debt collectors. If you are in bankruptcy, the laws governing creditor...
View ArticleWhat To Do If Debt Collectors Are Harrasing You
If you are receiving calls from debt collectors, whether they are your debts or not, (sometimes debt collectors have the wrong contact information, but do not believe you when you tell them they have...
View ArticleCan a creditor sending me text messages constantly all day long?
If the creditor has hired a collection agency and the collection agency (not the creditor) is sending you excessive text messages, that is a violation of the Fair Debt Collection Practices Act,...
View ArticleWhat is the California Rosenthal Fair Debt Collection Practices Act?
Although the Fair Debt Collection Practices Act (FDCPA) applies to every state, not all states provide its residents additional protection from collectors like California. People living in California...
View ArticleIs Your Social Security Check Protected From Collection Liens?
Yes, The State of California has a statutory homestead exemption of at least $75,000 of equity in your primary residence. If you are disabled, a senior citizen or have dependents your amount may be...
View ArticleAre debt collectors allowed to sue you?
One common tactic debt collectors employ is to threaten to sue the debtor unless the debt is paid. Most people in the U.S. are terrified of a lawsuit, and they will do almost anything to make that...
View ArticleClass Action Lawsuits Explained…
In a class action lawsuit, the plaintiffs are grouped together in one lawsuit against the defendant. The one lawsuit is filed on behalf of everyone in the class, that class being a group of people who...
View ArticleHow To Spot A Debt Relief Scam
Many consumers who have found themselves swimming in debt have begun seeking help from companies presenting themselves as “debt relief” providers. And getting and getting scammed in the end....
View ArticleDebt Collector Uses Social Media to Harass Debtor
Social media websites are a great tool for entertainment and to keep in touch with family and friends, but always be on alert when you are using them. Increasingly, Facebook, Twitter and LinkedIn are...
View ArticleIs your credit report information accurate??
According to the Fair Credit Reporting Act, the three nationwide reporting agencies, Equifax, Experian, and TransUnion are required to give you one free copy of your credit report every year. Your...
View ArticleBuried in Student Loan Debt?
A greater-than-ever percentage of Americans are going to college these days, but unfortunately for them, tuition has risen sharply as well and shows no sign of stabilizing. The rising costs of...
View ArticleFTC’s Top Consumer Complaints are Identity Theft and Debt Collection Violations
The Federal Trade Commission reports that the #1 complaint category in 2011 was identity theft. Debt collection was 2nd with 180,928 complaints, followed by scams regarding prizes/sweepstakes...
View ArticleBeware of Debt Relief Scams
Many consumers who are drowning in debt are being duped into seeking help from companies representing themselves as debt relief specialists. And getting nothing in return. These companies offer to...
View ArticleReinstating vs Redeeming Your Repossessed Vehicle
Consumer have the right to “reinstate” their car loan by paying all amounts past due, plus any applicable delinquency charges, collection and repossession costs. California consumers should be aware...
View ArticleBankruptcies On The Rise Due To Shrinking Household Incomes
Over the last few years the average median household income has dropped 4.8 percent to $50,964, according to a report by Sentier Research. If you look at income since the start of the recession in...
View ArticleIgnoring Debt Collectors Is Not The Answer
By ignoring debt collectors you could end up even further in the hole because of the interest fees and late charges being added to your account every month. Instead, you should evaluate your options....
View ArticleChecking Your Credit Report Can Save You From Identity Theft
Recently, a client contacted me regarding collection calls for debts that she did not recall incurring. According to her, she never used credit cards and she purchased her used car years ago in cash....
View ArticleAre Debt Collectors Calling Your Employer?
Aggressive Debt Collectors know that having your co-workers or employer find out that you are being perused by debt collectors, can be very embarrassing and that you might be inclined to take any...
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