Are debt collectors allowed to sue you?
November 15, 2012
One common tactic debt collectors employ is to threaten to sue the debtor unless the debt is paid. Most people
BMW Reaches Settlement in Privacy Violations Class Action
November 15, 2012
BMW has reached a settlement in a privacy violation class action against them.  The lawsuit alleged that BMW recorded BMW Assist calls
How to avoid telemarketing scams
November 14, 2012
Unfortunately, many con-artists posing as legitimate companies or charities use the phone to bilk consumers out of millions of dollars
Racial Discrimination At Work
November 14, 2012
Treating an employee unfairly based on their race, color, or ethnicity in regards to hiring, termination, promotions, benefits, compensation, and
Is Your Social Security Check Protected From Collection Liens?
November 13, 2012
Yes, The State of California has a statutory homestead exemption of at least $75,000 of equity in your primary residence. If
Reuters reports, “The Supreme Court to review American Express Arbitration case”
November 12, 2012
(Reuters) The Supreme Court on Friday agreed to consider whether American Express Co (AXP.N) may invoke an arbitration clause to
Wrongful Termination Law
November 10, 2012
There are many labor laws protecting you from being wrongfully terminated. Below is a compilation of a few… The Bankruptcy
Telemarketing Scams
November 10, 2012
Anyone can be victimized by telemarketing scams.  It doesn’t matter your age, race, sex or educational level, scam artists have tailored their pitches
What is the California Lemon Law
November 9, 2012
The California Lemon Law protects consumers who have purchased or leased a vehicle with major unfixable flaws. According to the California’s Department of Consumer
How the TCPA protects you from unwanted telemarketing calls.
November 8, 2012
The Telephone Consumer Protection Act (TCPA) protects consumers from being harassed by aggressive telemarketing tactics. Such as, sending unsolicited faxes,
What does it mean to be an “at will” employee?
November 8, 2012
As an “At-will” employee, unless you have a contract with your employer for a specified term or may only be
What is the California Rosenthal Fair Debt Collection Practices Act?
November 8, 2012
Although the Fair Debt Collection Practices Act (FDCPA) applies to every state, not all states provide its residents additional protection
Frequently Asked Questions About Filing Bankruptcy
November 7, 2012
1. If I file a chapter 7 or a chapter 13 bankruptcy will I ever get credit again? Yes, it is possible. However, we caution
Can a creditor sending me text messages constantly all day long?
November 7, 2012
If the creditor has hired a collection agency and the collection agency (not the creditor) is sending you excessive text
What To Do If Debt Collectors Are harassing You
November 6, 2012
If you are receiving calls from debt collectors, whether they are your debts or not,  (sometimes debt collectors have the wrong contact information,
Stopping Foreclosure By Filing Bankruptcy
November 6, 2012
Losing your home can be a very traumatic experience and often times a homeowner ends up in the predicament through
Bankruptcy and Debt Collectors
November 5, 2012
A creditor is never allowed to harass you and the law provides many remedies for consumers who are being harassed by rogue
The Chapter 7 Bankruptcy Process
November 3, 2012
The following is a step-by-step explanation of Chapter 7 bankruptcy process after meeting with me: A bankruptcy petition and schedule will be
Debt Collectors and Social Media…
November 3, 2012
The  Fair Debt Collection Practices Act, (FDCPA)  does not specifically prohibit debt collectors from using Facebook, Twitter or LinkedIn to locate and contact you
Is It Legal For Debt Collectors To Add Interest, Fees Or Penalties To My Original Debt Amount?
November 3, 2012
The Fair Debt Collection Practices Act, (FDCPA) prohibits collectors from collecting any amount unless the agreement you signed when you took out
Do Health Care Providers Use Private Debt Collectors?
November 2, 2012
Many people assume that because of HIPAA, their medical bills are private and therefore can’t be turned over to a private collection
A Debt Collector Deposited A Post-Dated Check Before I Was Ready. What Now?
November 2, 2012
If a debt collector is harassing you to make a payment, you may decide to give them a post-dated check to get
