"Punitive damages" are not included in the FDCPA. You can recover "actual damages", which may include emotional distress and aggravation and...

You, and/or your mother may have grounds to sue the collection agency and credit card company for unfair debt collection practices and to recover...

After judgement, can creditors come after whole life insurance? I live in CA.

No. The life insurance is exempt. You mentioned the date of the Case Management Conference. Read the Summons and Notice of Case Management...

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How can I collect a California judgment against a person who is residing in another state?

You need an attorney who is licensed to practice in Virginia. Then, get the California judgment recognized in Virginia as a valid, sister state...

I am an accountant. Signed a contract with a client, rendered the service, two months later she filed bankruptcy. Any recourse?

Your claim can be discharged in bankruptcy. You need to review her bankruptcy schedules. They are available at 8 cents per page if you have a...

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Debt collection - Question about debt collector messages: How strong is the disclaimer they left on my relative's voicemail?

In my opinion, it is a violation of both the federal FDCPA and California's FDCPA (The Rosenthal Act). The issue is whether each call is a...

Debt/banktrupcy advice

Your question does not contain all the facts. However, is the 90% discount offer being made because the debt is older than the Statute of...

Time allowed to file law suit by credit cards

If California law applies, the Statute of Limitations is four years after the date of default, which is approximately the due date of your first...

Yes. They do not need to send the bills to you. You are responsible. You can sue your (former) friend or relative for your loss. They need to...

GARNISHMENT

You must personally attend the hearing. Take documents, such as medical bills, showing that you need all of your income to pay for the...