'Investigator' told me I was being charged with a Class D Felony in CA for check fraud for a payday loan. HELP!

Failure to repay a debt is not any type of crime, misdemeanor or felony. The call you received was probably from a "scammer" -- someone involved...

Do FDCPA debt collections laws still apply if you are a cardholder of a major retailer, and are also employed by said retailer

The FDCPA applies only to "debt collectors" who are collecting debts for others. The corresponding state law, known as the Rosenthal Act, applies...

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If you tell a collector to stop calling you, how long do they have to comply?

Receipt of your "cease and desist" letter was adequate notice that you were exercising your rights. You sent a certified letter and have proof...

Failure to pay a debt is not a criminal offense. The only conceivable criminal charge might be Failure to Appear in court when you were previously...

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Looking to consult with attorney regarding judgement of a medical bill. Writ of execution has already been granted to creditor.

Unfortunately, the time to dispute the amount of the bill was during the collection lawsuit. If you did not answer the complaint or litigate that...

Can I submit a Claim of Exemption and file a motion to Cancel a Judgement at the same time?

Yes. If you were not served with a summons and complaint because the plaintiff attempted to serve the documents at an address where you did not...

Can I file for bankruptcy even if not all my accounts are in collections?

If you file a bankruptcy case (either chapter 7 or chapter 13) you must identify all creditors and all debts in the bankruptcy filing. That means...

Generally, the statute of limitations period begins to run when the default occurs, which is typically the first missed payment. Various actions...

How do I respond to a collection agency after being served? I'm pretty sure the statue of limitations to being sued is expired.

First, talk to an attorney that regularly handles debt collection defense. The attorney should be able to analyze whether the applicable statute...

Can apartment complex manager levy disabled minor childs SSI benefits ?

You must immediately file a Claim of Exemption which states that the funds are Social Security funds - and therefore completely exempt (unavailable...