Debt collection lawsuits are among the most common type of civil litigation in the U.S. In fact, between the years 1993 and 2013, the number of debt collection lawsuits filed each year increased from around 1.7 million to roughly four million. In other words, as a consumer in the U.S., there is a chance that…
Continue reading…Author: support
Can a Debt Collector Text or Email Me?
The federal Fair Debt Collection Practices Act (“FDCPA”) prohibits debt collectors from engaging in abusive, harassing, and unfair debt collection practices. However, since, this law was passed many years ago, it doesn’t address modern communication methods, such as text messages and emails. In late 2020, the Consumer Financial Protection Bureau (“CFPB”) took steps to address…
Continue reading…What to Do When a Debt Collector Calls You
Although debt collectors are permitted to contact consumers by telephone, there are strict rules they must follow when doing so. Unfortunately, however, debt collectors don’t always abide by these rules. Often, debt collectors employ high-pressure tactics in an attempt to coerce consumers into paying up. Therefore, consumers must always remain vigilant when dealing with debt…
Continue reading…Vehicle Repossession in California
In California, if you fail to pay your car loan, a repossession agent may take your car. In fact, as soon as you miss a car payment, the lender can arrange—without notice—to repossess your vehicle. The lender also may repossess your car if you breach your loan agreement in some other way, such as by…
Continue reading…5 Things Debt Collectors Aren’t Allowed to Do
Although debt collectors often go to great lengths to collect debts—there are many things they are legally prohibited from doing. Unfortunately, however, this doesn’t always stop them. In fact, debt collectors routinely break the rules in pursuit of profit. In this article, we discuss five things debt collectors aren’t allowed to do. #1: Show Up…
Continue reading…How to Beat Midland Funding
Debt collectors often do whatever it takes to collect a debt. Threatening letters, harassing phone calls, and other legal and illegal tactics are just a few of the ways that debt collection agencies attempt to intimidate consumers into paying. When these methods fail, however, debt collectors sometimes file lawsuits against debtors. If you’ve been sued…
Continue reading…Can a Debt Collector Take My Car?
If you lose a debt collection lawsuit in California, the debt collector typically has several options available to settle the debt you owe. For example, a debt collector may be able to garnish your wages and other assets to satisfy the debt. However, there are limits to what a debt collector may do to collect…
Continue reading…Is There a Limit on How Many Times a Debt Collector Can Call Me?
Let’s face it: no one likes to receive phone calls from debt collectors. In addition to being annoying, debt collection calls can feel downright intrusive. But is there a limit to how many times a debt collector may call a consumer about a debt? In this article, we answer this question and discuss some of…
Continue reading…Can a Debt Collector Take My VA or Social Security Benefits?
When a debt collector successfully sues you in court, you become legally obligated to pay the amount owed. To collect the debt, a debt collector can obtain a court order requiring your bank or credit union to take money from your account. This process is called garnishment. Although a debt collector that wins a judgment…
Continue reading…Fullman Law Firm Offers Top-Rate Defense to Californians with Debt Lawsuits
All throughout the country, citizens and small businesses struggle to find solutions to their debt problems, and often find themselves at the mercy of powerful creditors. The current global pandemic only made matters worse as pay-cuts and income losses have become an unwanted consequence for many, often taking away any capacity for debtors to settle…
Continue reading…