Archived
Trying to do a voluntary repossession but leasing company will not cooperate. What do I do?
Frederick's answer
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Answered on August 11, 2016
If it is a local lender, you could leave the vehicle in the parking lot and put the keys in the night drop box. Thereafter, you should complete...
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What is the Statute of limitations for a payday loan in California?
Frederick's answer
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Answered on August 11, 2016
These are will known scams. Don't pay them or talk to them on the telephone. They are criminals.
File a complaint with the FTC. See -->...
Archived
Can a 2 year old debt judgment be expunged if creditors did not serve debtors as required?
Frederick's answer
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Answered on August 06, 2016
You should obtain a complete copy of the Court file (available online in San Francisco County and several others), and then seek the assistance of...
Archived
How can a company charge me 10% DAILY on a judgement that is $395 and wait 30 days to serve me with a total of $4450 owed now?
Frederick's answer
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Answered on August 06, 2016
In California, "Interest accrues at the rate of 10 percent per annum on the principal amount of a money judgment remaining unsatisfied." ...
Archived
Can I go to jail for not paying back a pay day loan I have four of them out there and lost my job and struggling and worried
Frederick's answer
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Answered on July 29, 2016
No. California Financial Code 23035(b) "A customer who enters into a deferred deposit transaction and offers a personal check to a licensee...
Archived
How can I press charges against a fake debt collector?
Frederick's answer
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Answered on July 29, 2016
These are all scammers. These debt collection tactics violate the FDCPA, but the names are mostly fake and you are not likely to get paid even if...
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Archived
How can I enforce my judgment?
Frederick's answer
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Answered on July 29, 2016
You need an attorney to obtain a "charging order" from the Court.
Archived
I bought a car and an extended warranty with it yesterday. Can I now cancel the extended warranty part?
Frederick's answer
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Answered on July 27, 2016
I agree that you should wait 15 days before you cancel the extended warranty. Thereafter, the written warranty itself should provide an address...
Archived
Can a online lender collect on a defaulted loan if they were not licensed to do business in that state.
Frederick's answer
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Answered on July 27, 2016
The answer to your question really depends on the terms of the loan and the state law where you live. You should consult an experienced consumer...
What rights do I have pertaining to a storage facility manager not granting me access even when I'm paid up for 2 1/2 more wks ?
Frederick's answer
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Answered on July 27, 2016
What you describe is not lawful under the "California Self-Service Storage Facility Act." Specifically, Cal. Bus. & Prof. Code § 21703 requires the...
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