Woman going over debt collection lawsuit document

Can Debt Collectors Garnish Social Security?

When people borrow money, they usually plan on paying it back. Unfortunately, however, certain events, such as illness or job loss, can interfere with a person’s ability to honor his or her financial commitments. Failing to pay a debt can result in several negative consequences, including lawsuits, credit damage, and even wage garnishment. In this…

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Debt collection attorney sitting with client

What Debt Collectors Can and Can’t Do

The law is very clear about what debt collectors are permitted to do when dealing with consumers. Unfortunately, however, debt collectors often do whatever it takes to collect a debt—even break the law. When this occurs, affected consumers may pursue legal remedies. In this article, we examine what debt collectors can and can’t do when…

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Woman going over debt collection lawsuit document

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…

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Woman reviewing her debt

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…

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Woman calculating her debts

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…

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Three individuals going through financial documents

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…

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Woman reviewing her debt

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…

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debt collector

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…

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