In California, the vehicle creditor has one year from the date of your husband's death in which to file a lawsuit against you for collection of...

Validation of debt. California

Failure to validate the debt is not a defense to collection. However, it would violate the FDCPA for the debt collector to file a lawsuit or take...

Defaulted Student Loan; Dealing with an aggressive law firm

Private student loans are subject to the same defenses as any other consumer loan (statute of limitations, lack of assignment, failure of proof,...

My mother's hospital has done a credit inquiry on my credit record without my authorization. Is that legal?

No it is not legal. Obtain a paper copy of your credit report form each of the three credit bureaus and go see a lawyer who is knowledgeable in...

Should i continue ignoring Palmer Refiers letters

You COULD get run over by a bus. The letters are pure shakedown. Ignore them. There is no real way to stop the letters, but receiving a letter...

How do I amend my answer to complaint-California

It sounds like you got sued by a debt buyer (i.e. not Chase). If you got sued on an assigned account that is not yours, many attorneys will take...

What are my option if I owed credit card money and now they are trying to collect on it but now it's almost 300% more?

Credit cards with a $300 credit limit are known as "fee harvesting" cards. The banks that issue these cards are preying on consumers like you. ...

While California Code of Civil Procedure 580b bars a judgment, it does not bar all collection efforts. Thus, collection letters and calls do not...

What should I do?

Signing another person's name is ALWAYS unlawful. While you can authorize someone to sign on your behalf, no one can authorize another to "sign...

I had bad car accident last year and now I receive SSDI check - this is my only income.

Social Security benefits are exempt from garnishment in all states under federal law. As of May 1, 2011, banks and other financial institutions no...

Selected as the best answer