debt

Avoiding Debt Collection Lawsuit Scams

All consumers should be aware of debt collection lawsuit scams. As of late, these types of scams have been rampant. In this article, we discuss how you can avoid becoming a victim of a debt collection lawsuit scam.   What is a debt buyer? A debt buyer is a business that purchases large numbers of delinquent…

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COVID-19 Continues to Affect Borrowers

It’s no secret that COVID-19 is a huge problem in the United States. In fact, experts have predicted that the repercussions of the pandemic will continue to affect our economy for years to come. For borrowers, this is bad news. Unfortunately, pandemic-related foreclosures, collection lawsuits, and judgments appear to be here to stay. Even if…

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holiday credit card debt

Tips for Avoiding Holiday Debt

If there’s ever a time that puts you at risk for going into debt, it’s the holidays. During the holidays, our spending can get out of control, and many people rely on their credit cards to get them through this busy and expensive time of the year. Unfortunately, many people find it difficult to pay…

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california homestead exemption law

Understanding California’s New Homestead Exemption Law

California recently amended its homestead exemption law. A homestead exemption is a legal provision that is designed to protect the value of a resident’s home from creditors, property taxes, and circumstances that arise from the death of a spouse. California’s updated homestead exemption law sets the exemption amount at $300,000. However, this amount can be…

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Ways to Fight Wage Garnishment in California

If you’ve been sued by a debt collector in California, you are at risk of having your wages garnished. Wage garnishment occurs when a court issues an order that requires your employer to withhold a specific amount of your paycheck and send it directly to a debt collector until your debt is paid off.  Luckily,…

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California Wage Garnishment Basics

A debt collector who alleges that a debtor has failed to repay his or her debt is entitled to file a lawsuit in court to collect the disputed funds. If the debt collector’s lawsuit is successful, the court may order the garnishment of the debtor’s wages until the debt is repaid. As we discuss below,…

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Sued by a Debt Collector: What Are My Options?

No one wants to be sued by a debt collector. However, if you’ve recently been served with a debt collection lawsuit, you can’t just put your head in the sand and hope it goes away. Rather, you must assess your options and take immediate action. Therefore, after reviewing the following debt collection lawsuit options, it…

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stressed owner dealing with debt collector

Tips for Dealing with Debt Collectors During COVID-19

The COVID-19 pandemic has wreaked havoc on the U.S. economy. Business closures and widespread unemployment have left hundreds of thousands of people unable to pay their debts. As a result, more people than ever are facing debt collection notices and lawsuits from debt collection agencies. Below are some tips for dealing with debt collectors if…

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