Archived
I have a debt owned by a 3rd party debt collector. What is the statute of limitations in CA that they can collect or sue?
Richard's answer
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Answered on June 25, 2015
Typically 4 years from the date of breach, but this time period can be extended (tolled) for a number of reasons and if you make a promise to pay,...
Archived
What are the statutory damage for bad collections under the FDCPA
Richard's answer
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Answered on June 24, 2015
Is this a consumer debt? Are you being called by an employee of the original creditor or by a collection agency? If you send a "Do not call"...
Archived
Who is responsible for credit debit when spouse passes away?
Richard's answer
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Answered on June 24, 2015
Was the account opened during your marriage? Were you ever put on the account as an authorized user? Is there a probate estate? Did he leave you...
Archived
Can someone put a mechanic lien on my property if I have paid them over what I owed them?
Richard's answer
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Answered on June 24, 2015
Was there a written contract? Does the written contract contain all of the consumer warnings required by law? Was the contractor's license valid...
Archived
Can I stop a wage garnishment? Judgement was issued in 2011 but I had moved out of the area & didn't know until served June 2015
Richard's answer
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Answered on June 24, 2015
You can do two things at this time. Do both. First, file a Claim of Exemption on the grounds that all of your income is necessary to pay for...
Archived
Is there a way to find out who placed a lien on property and for how much?
Richard's answer
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Answered on June 24, 2015
A lien is created by recording a document with the county recorder in the county where the property is located. These records are public...
Archived
How many times can i have my collections employee call someone in 1 day(per day) to collect a debt?
Richard's answer
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Answered on June 23, 2015
California Civil Code section 1788.11(e) prohibits a debt collector from placing telephone calls “with such frequency as to be unreasonable and to...
Archived
I have a "notice of lien" filed against my home by a subcontractor electrician after I paid the contractor in full. Am I liable
Richard's answer
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Answered on June 23, 2015
For future reference, before paying a general contractor, you should insist upon obtaining releases from all subcontractors, labor releases from...
Archived
Identity theft
Richard's answer
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Answered on June 22, 2015
The bank might reverse the charges if you file a police report, obtain a copy of the police report and give a copy to the bank. filing a police...
Archived
Can someone with a lien on your property force you to sell it to settle a civil debt judgement?
Richard's answer
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Answered on June 20, 2015
Is the property real estate? Is it your home? If it is your home, the creditor must go to court to get a court order. This is a somewhat...
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