Woman going through er debt

Can a Debt Collector Trick Me to Collect a Debt?

Some debt collectors will do whatever it takes to collect a debt. Unfortunately, this sometimes includes using deceptive tactics to trick consumers into paying up. And this can result in consumers paying debt collectors for debts they don’t legally owe. In this article, we examine whether debt collectors are permitted to trick consumers into paying…

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Woman on the phone with debt collector

What Happens if You Ignore Debt Collectors?

The easiest thing to do when it comes to debt collection phone calls is to simply ignore them. However, this isn’t necessarily the smartest route to take. Although it may be tempting to stick your head in the sand when debt collectors come calling, ignoring them won’t make the problem go away. In fact, it…

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Man on the phone with debt collector

Should You Answer Debt Collection Calls?

Although no one enjoys debt collection phone calls, ignoring them is rarely the right response. Even if you don’t owe the debt in question, it is better to address the situation than to ignore it and hope it just goes away. However, if you do decide to speak to a debt collector on the phone,…

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Woman filing debt collection lawsuit

4 Mistakes to Avoid When Dealing with a Debt Collector

Debt collectors can be extremely aggressive when attempting to collect debts. Often, they employ tactics that bend—or even break—the law. Therefore, when dealing with a debt collector, you must be highly vigilant. Otherwise, you risk making mistakes that can cost you money. In this article, we examine five common mistakes to avoid when dealing with…

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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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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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