Statute of Limitations for Consumer Debt Collection Lawsuits

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Statute of Limitations for Consumer Debt Collection Lawsuits

December 13th, 2018

If you fail to pay a debt, you will likely receive phone calls and letters from your lender. Then, your lender may decide to file a lawsuit to obtain a judgment against you or may sell your debt to another company, which may begin its own collection efforts. Many people think they will simply have […]

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What is the Automatic Stay in Bankruptcy?

December 10th, 2018

You likely know that the end goal of a consumer bankruptcy is the discharge of all of your qualified debts. However, did you know that filing bankruptcy can provide immediate stress relief, as well? When you file your petition, a court order automatically goes into effect called the “automatic stay,” which can be immediately beneficial […]

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Is Your Lender Taking Advantage of You?

October 15th, 2018

Even though there are dozens of laws on the books that are designed to protect consumers from predatory lending, this sort of thing still happens. Mortgage lenders, credit card companies, and car dealers may try to take advantage of people, using a variety of unethical means, and many of them are never caught! Too often, […]

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Fraud Prevention Tips

September 15th, 2018

In today’s world, there are more threats to your financial stability and your credit score than ever before. With emerging technologies and the ease of sharing information online, those who wish to do you harm have relatively open access. Each year, millions of Americans have their identities stolen, their credit cards used fraudulently, or end […]

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Don’t Qualify for Chapter 7 Bankruptcy? Here’s What You Can Do

August 15th, 2018

For those who are struggling financially, consumer bankruptcy may be something to consider. Filing for Chapter 7 bankruptcy may provide a clean slate and a strategy to move forward to regain your fiscal freedom. However, in order to qualify for filing, you must pass something called the “means test,” which is a basic assessment of […]

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What Does Your Credit Score Mean?

July 15th, 2018

For the vast majority of adults, the credit score is a key element in their quality of life. This 3-digit number can determine a great many things, including housing, transportation, and employment. And while most people have a rudimentary understanding of what a “good” credit score would be, they don’t understand all the factors that […]

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Rebuilding Your Life after Bankruptcy

June 15th, 2018

Thousands of people will file for bankruptcy in Los Angeles each year, and many of them will go on to live happy, successful lives. Some of them, however, won’t learn from old patterns, and may need to file bankruptcy again in the future. What your life looks like after filing bankruptcy is largely up to […]

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Know Your Rights During Electronic Funds Transfers

May 15th, 2018

We live in a world unlike anything we could have predicted. We shop from electronic devices, keep all of our money on plastic cards, and can buy or sell anything anywhere in the world! While our modern technology and 24/7 connectivity can be wonderfully convenient, it does come with its dangers. Whether you are transferring […]

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How to Protect Your Credit Rating

April 15th, 2018

In today’s age, an individual’s credit rating says a lot about them. People look at your credit scores when determining eligibility for lots of things, including car loans, home mortgages, employment opportunities, and more. Thus, protecting your credit, and working to improve your score, is a worthwhile endeavor. Since there are many different factors that […]

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What You Need to Know About the Truth in Lending Act

March 15th, 2018

There are dozens of different laws on the books today, which are designed to protect consumers from a financial point of view. These laws cover things like credit reporting, debt collection, and legal types of communication between individuals and companies. One of these laws is the Truth in Lending Act, or TILA, which was passed […]

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