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Robert Harlan Stempler

Robert Stempler’s Legal Guides

12 total


  • Reasons Not to Send a "Cease and Desist Letter" to a Debt Collector

    Understanding who and for what debts the FDCPA applies, Exemption for the original creditor The most important misunderstanding that occurs is that consumers send a "cease and desist letter" to the o

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  • Negotiate After Being Sued by a Debt Collector or Creditor in California (Settlement Guide #1)

    The conversation is privileged, meaning that it cannot be used to prove their case People are under a notion that if they negotiate, those discussions can be used against them in court to prove you o

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  • Steps After Learning You are a Victim of Identity Theft

    If you learned that you're the victim of identity theft, follow these steps to prevent further harm to you and your credit.

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  • How an employee can make wage garnishment bearable and fair

    Best legal tips for California employees to reduce the amount of a wage garnishment and options to resolve an unpaid judgment faster. Updated for Cal. AB 1775, operative July 1, 2013.

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  • How to Get Better Answers Using Avvo About a Debt Collection Lawsuit

    Information about the lawsuit Please identify the courthouse location and county and explain when and how you learned about the lawsuit against you. If a large financial institution or debt collecto

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  • Online Case Information From Many California Superior and Small Claims Courts

    Free or almost free case information is a few clicks away for many Counties. This guide will help you know which counties and how to get the most for the least amount of money. For some counties, however, parties and their lawyers still need to go to the courthouse or call the clerk.

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  • Debt Settlement / Negotiation / Management Report: Scamming Millions and False Advertising

    TV advertisements and internet sites claim you can settle for pennies on the dollar, as part of the U.S. Economic Stimulus If you watch TV, you've seen the ads for "U.S. Debt Relief." These suggest

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  • DIY Credit Repair

    Obtain your FREE credit reports from the Big Three at least once every 12 month period Federal Law (FACTA) permits individual consumers to order for FREE his or her own credit report from any nationa

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  • What is Illegal Credit Repair?

    Some techniques labeled as "credit repair" are sometimes nothing but scams and often are even illegal. Here are some credit repair schemes you should avoid.

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  • Repossession by the Creditor of a Motor Vehicle in California: Your Rights as a Consumer

    Keep The Contract and Other Vehcile Documents Safely Stored at Home or Office Many people leave the dealership with their purchase documentation in the glove box in a pouch that the dealer may have p

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