Your Credit Report, Just How Important Is It?

Posted by on Mar 20, 2011 in Bankruptcy, Consumer Debt, Debt Collections Defense, News | 0 comments Many individuals overlook the importance of regularly reviewing their credit report. Your credit report contains far more than a simple credit score number. You may be surprised what landlords and potential employers may discover about you through a simple glance at your credit report. You may also be surprised at the number of inaccuracies you find on your credit report regarding accounts you...
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Attorneys as Debt Collectors

Posted by on Mar 18, 2011 in Bankruptcy, Consumer Debt, Debt Collections Defense, News | 0 comments Most consumers would be even surprised to find out that attorneys can be considered debt collectors under California’s broad definition of who can be considered a debt collector. Attorney debt collectors have various ethical obligations which applies even to a consumer’s spouse, parent, and guardian: If you request, an attorney’s office must provide you with the following...
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Who is a debt collector?

Posted by on Mar 17, 2011 in Bankruptcy, Consumer Debt, Debt Collections Defense, News | 0 comments In our society, most people silently cringe at the mention of a debt collector simply because of the stereotypically horrifying and unethical things debt collectors seem to do in our movies and television sitcoms. Although ethical debt collectors do exist, it is the worst and most unethical debt collectors that catch our attention. Even though movies are fictional, when it comes to debt...
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Requests to the Debt Collector to Stop Communicating with You

Posted by on Mar 14, 2011 in Bankruptcy, Consumer Debt, Debt Collections Defense, News | 0 comments Just because you owe a debt does not mean that you should be forced to endure harassing calls, letters, or even personal visits from the debt collectors. Most individuals have no idea that something as simple as a written letter to the debt collector can make the harassment stop. Believe it or not, you have the power to unilaterally cause the debt collectors to cease from harassing you and your...
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Debt Collectors and Your Friends and Family

Posted by on Mar 12, 2011 in Bankruptcy, Consumer Debt, Debt Collections Defense, Employment, News | 0 comments Despite the television shows and movies that make it seem like debt collectors can stalk and harass you, your friends, and your family at all hours of the day, the law is actually simple and very protective. Debt collectors are allowed only very limited contact with you and your loved ones. Although you may owe a debt, you do not have to deal with a debt collector who may feel inclined to...
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