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…
An Overview of Judgment Liens in California
After a judge or jury hands down a verdict in a civil case, the court enters a judgment. A judgment may also result from a settlement between parties. As part of a judgment, the court orders one party (the debtor) to pay money to another (the creditor). However, the debtor in a case doesn’t always…
Continue reading…
The Removal of Judgment Liens in California
When a person fails to seek bankruptcy protection in time, creditors can place involuntary or judgment liens on their assets. Often, creditors d this without notice. In this article, we examine the ways in which an experienced California attorney can assist with the removal of judgment liens. What Is a Judgment Lien? A judgment lien…
Continue reading…
What Can A Debt Collector Do If You Don’t Pay?
No one likes to receive a collections notice. However, ignoring correspondence from a debt collector won’t make the problem go away. Debt collectors have several options available to them when debtors fail to pay. In this article, we explore the legal options available to debt collectors when you fail to pay a debt. Regulating Debt…
Continue reading…
Five Things Debt Collectors Can’t Do
Debt collectors have a bad reputation for doing whatever it takes to collect debts—including harassing and even threatening consumers. The federal Fair Debt Collection Practices Act (“FDCPA”) was enacted to prevent these types of behaviors. However, some debt collectors continue to use illicit tactics when dealing with consumers. In this article, we examine five things…
Continue reading…
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…
Continue reading…
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…
Continue reading…
Answering a California Debt Collection Lawsuit Summons
Receiving a debt collection lawsuit summons is not the most pleasant experience in the world. However, when you’re sued by a debt collector, you must respond to the lawsuit. Otherwise, the court will enter a default judgment in favor of the debt collector. In other words, if you don’t respond, you’ll automatically lose your case….
Continue reading…
How Come Some Debts Don’t Appear on My Credit Report?
Although most debts that you fail to pay will eventually end up on your credit report, there are a variety of reasons that some unpaid debts don’t appear on your credit report. However, just because a debt isn’t listed on your credit report doesn’t mean it isn’t legitimate. Debts that May Not Appear on Your…
Continue reading…
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…
Continue reading…