Credit card company filed with district court 4/28

I highly recommend that you get an attorney who practices consumer law. I worked as a collection attorney for almost four years. In that time I...

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Can a judgment be obtained on a credit card that was charged off?

Charge-off is simply an account maneuver. After an account is in default for 6 months, the credit card companies "charge it off," which means it...

Receipt of Debt Validation Letter

The FDCPA case law on what the collector is required to provide in response to a request for validation is pretty weak. They don't have to give...

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I was sued for an overdue acct w/ a credit union - and I am a full-time student with no money to pay.

I am not familiar with California Law, but typically a summons served at an address at which you no longer reside is not effective service. And...

Can I sue PRESIDIO FINANCIAL for running my credit without permission?

The Fair Credit Reporting Act restricts the reasons and number of times different entities may pull your credit report. The Fair Debt Collection...

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I have a question about garnishments. My husband just received one for a credit card that we owe. My question is doe the garnish

The Fair Debt Collection Practices Act requires that a collection lawsuit be brought in the place where you reside. If they have gotten a judgment...

What recourse, if i file partial answer timely, but did not file all? Been served with summary of judgment.

All of these issues are governed by the Rules of Civil Procedure. Typically a person who represents themself is held to the same standard of...

Can i sue callers tellin they are from a law firm and i have charges from them due to unpaid loan?

Bad advice from Mr. Araujo. Assuming that this is a consumer debt and the Fair Debt Collection Practices Act applies, the only verbal request a...

Can a creditor call individuals not associated with my account to leave messages or threats to be passed on to me?

Mr. Araujo's message addresses the FDCPA aspects only. If it is the original creditor making these calls, and not a third-party debt collector,...

I couldn't disagree more with the statement that you have no legal defenses. With Debt buyers there are always issues you can challenge. The...