Debt Collection

Yes, you are in California and this is where any venue would be. Calls to your employer after you've instructed the debt collector to stop,is in...

How do I make my soc. sec c heck judgment proof from my creditors,

In addition to exemptions you should file to protect your social security benefits wages, some banks are aware of your rights and even if your bank...

Do I have to be served according to civil court procedure? Or do creditors have special privileges?

There are several ways to serve a party to a lawsuit. One way is sub service. If there have been several failed attempts to personally serve you,...

I was handed a summons and complaint without a proof of service for a debt collection. How do I answer without knowing a POS?

You would not have been handed a POS as part of the documents necessary for service. The POS is simply the plaintiff's method of notifying the...

Did credit card company file lawsuit in the wrong court? If so, can I limit their damages?

Without seeing the documents and only having your explanation, it isn't likely that the matter will be removed. If the matter was filed, and...

My credit report show a credit card co charged off my debt, can a collection co still try to collect?

Yes, a collection company may still attempt to collect a debt that is noted as "charged off" on your credit report. If there is a judgment against...

Filing an Answer to Credit Card Debt case. Do I also need to file my discovery at the same time?

No, it is not necessary. Further, discovery is not "filed" with the court. Rather, discovery is the process by which you gather the facts of the...

When a lawsuit is filed, the court requires the plaintiff to personally serve the summons and complaint on the defendant(s). Often times, this is a...

I make barely enough to live on as it is, if I get sued on an old debt do I have to go bankrupt? Or how would I pay?

Unfortunately, a judge would not look at your personal or business finances in ordering a judgment on the alleged debt. Also, you would not have...

What should I do when i getting threaten phone calls for a debt collector that if i don't pay They will take me to court & jail.

First, it is your right to ask the creditor to cease communications with you. Second, any representation or implication that nonpayment of a debt...