Category: Consumer Law Center

Whether you’ve suffered recent financial setbacks or merely overlooked a bill, having an account in collections can quickly become a nightmare. You could face everything from an annoying barrage of collection calls to frozen bank accounts and wage garnishment. Making arrangements to pay off your collection accounts now can save you from facing far greater […]

Few things are as annoying and embarrassing as being pursued by debt collectors. Collection agencies often convince debtors to make payment arrangements by wearing them down with a barrage of collection calls and dunning letters. If you have a debt in collections, you may receive calls from debt collectors at all hours of the day […]

The primary function of a judicial foreclosure is to provide a legal process through which a mortgage lender is able to gain full ownership of real estate when the borrower defaults on the underlying loan. Judicial foreclosure also permits the borrower the opportunity to defend the lender’s attempt to regain full ownership of real estate. […]

Introuction It is not uncommon for Social Security Disability (“SSD”) claims to get denied; indeed, more than half of SSD applications are denied.  Many claimants, perhaps due to ignorance of their rights or sheer lack of willingness to put in the effort, do not challenge/appeal the denials of their SSD claims.  For those claimants who do appeal get the […]

Introduction Payday loans allow borrowers to obtain short-term loans in exchange for deferred check deposits. If a borrower obtains a payday loan, he will write a check to the lender and obtain a cash advance in exchange for the promise to pay. The lender will not cash his check until the borrower’s next pay cycle, […]

California’s wage garnishment law is designed to control the amount that a lender may take directly from your pay check in order to claim debt repayment. Essentially, what this means is that those who borrow money from various creditors are protected to an extent from having too high a proportion of their earnings reclaimed immediately […]

In these days of cloud-based banking and the pervasiveness of smartphones and tablets, there is no reason not to have a good picture of your finances. Being able to know at a glance your entire financial picture and having the ability to transfer and pay bills from anywhere is a modern convenience. Following are five […]

Being in debt causes unwanted stress and worry. Living paycheck to paycheck while trying to keep up with current bills and paying old expenses will test the average person’s mettle. Creditors inform credit bureaus of your neglect of responsibility, thus resulting in a low credit score. Companies that promise to help bring debt relief quickly […]

Debt collection is a high-pressure business, and employees are often trying to come up with new ways to get debtors to pay up. One of the more commonly tried tactics is to call the debtor or send them a letter saying that they will be subject to arrest and criminal prosecution if they don’t make […]

The Fair Debt Collection Practices Act (“FDCPA”) is a set of federal laws designed to protect consumers from abusive, deceptive, or otherwise unfair actions by debt collectors. The law allows consumers to file lawsuits against debt collectors for violations for both their actual damages and statutory damages of up to $1,000 per violation. For this […]