26 04, 2020

Understanding The Fair Debt Collection Practices Act

By |2020-04-26T16:16:08+00:00April 26th, 2020|Debt|Comments Off on Understanding The Fair Debt Collection Practices Act

The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from debt collectors. The FDCPA requires debt collectors to meet legal requirements when interacting with consumers who are in debt. When debt collectors violate the regulations set forth in the FDCPA, they may face liability under federal law. In recent years, [...]

7 01, 2020

Five Tips for Dealing With Harassing Creditors

By |2020-01-10T02:51:14+00:00January 7th, 2020|Bankruptcy, Debt|Comments Off on Five Tips for Dealing With Harassing Creditors

No one likes to be harassed by creditors. Whether it is the call that interrupts your family’s mealtime, or the tone of the callers themselves, it often seems as if their tactics are specifically designed to be disrespectful and confrontational. Short of taking legal action to prohibit credit collection calls, consumers often feel helpless to [...]

29 04, 2018

Online Loans Carry Risks and May Lead to Bankruptcy

By |2018-06-04T21:24:11+00:00April 29th, 2018|Bankruptcy, Debt|Comments Off on Online Loans Carry Risks and May Lead to Bankruptcy

In the aftermath of the financial crisis, it has been harder for some borrowers to secure credit from the same sources as before. For example, in the years leading up to the crisis it was not very difficult for a person to obtain credit through a home equity loan, credit card withdrawal, or even a [...]

19 04, 2018

California Debtors Allowed to Discharge Federal Tax Debt According to Bankruptcy Court Ruling

By |2018-04-19T00:56:14+00:00April 19th, 2018|Debt, Taxes|Comments Off on California Debtors Allowed to Discharge Federal Tax Debt According to Bankruptcy Court Ruling

Earlier this year, a California bankruptcy court found that a couple’s tax liabilities were subject to discharge under Chapter 7 of the U.S. Bankruptcy Code. The question before the court was whether the couple’s debt accrued when the IRS assessed their tax liability in March of 2009, or when the couples filed multiple years of [...]

4 06, 2017

Supreme Court on Stale Debt

By |2017-06-12T18:21:49+00:00June 4th, 2017|Debt|Comments Off on Supreme Court on Stale Debt

  The Supreme Court usually decides a few cases each term that have an impact on bankruptcy law, and this year is no exception. One of the decisions, Midland Funding, LLC v. Johnson, concerns the issue of stale debts and when they can be incorporated into a Fair Debt Collection Practices Act, as an unfair [...]

13 04, 2017

All Debts are Not Treated Equally in Bankruptcy

By |2017-04-13T03:10:48+00:00April 13th, 2017|Bankruptcy, Debt|Comments Off on All Debts are Not Treated Equally in Bankruptcy

There are few laws on the books in the United States that are as important as our bankruptcy laws. They work as a way for people who find themselves in difficult circumstances to find relief from financial obligations and gain some breathing room in life. By declaring bankruptcy, a debtor is able to erase most, [...]

11 02, 2017

Supreme Court to Decide Stale Debt Question

By |2017-02-11T01:42:18+00:00February 11th, 2017|Debt|Comments Off on Supreme Court to Decide Stale Debt Question

Stale debt is a term used to describe a debt that is no longer collectable because the statute of limitations has run out on it. The statute of limitations on collecting debt varies from state in state, and in California it is four years on paper debt and two years for oral contracts. When a [...]

5 10, 2016

Federal Appeals Court in California Resolves Important Bankruptcy Case

By |2016-10-05T20:06:37+00:00October 5th, 2016|Bankruptcy, Debt|Comments Off on Federal Appeals Court in California Resolves Important Bankruptcy Case

  The 9th Circuit Court of Appeals decided an important bankruptcy case recently that should go a long way to helping parents get out from under collection efforts by California juvenile correctional agencies. This case comes after Orange County spent years trying to collect a debt of over $16,000 from a struggling mother of a [...]

21 03, 2016

Student Loans and Bankruptcy: Split Decisions Before Supreme Court

By |2016-03-21T21:41:51+00:00March 21st, 2016|Bankruptcy, Debt|Comments Off on Student Loans and Bankruptcy: Split Decisions Before Supreme Court

Higher education is widely available across the country, but it can come at a very high cost. That high cost includes books, tuition, living expenses, parking, fees, and a host of other expenses. To pay for those costs more and more students go to easily available student loans that have become as much a part [...]

16 11, 2015

Major Bank in Trouble for Debt Buying Practices

By |2015-11-16T02:28:13+00:00November 16th, 2015|Bankruptcy, Debt|Comments Off on Major Bank in Trouble for Debt Buying Practices

The Consumer Financial Protection Bureau (CFPB) has recently come down hard on one of the nation’s largest banks for a practice that affects consumers nationwide. If you are in San Diego and considering Bankruptcy, this news should be important to you. CFPB Fines Chase Bank The CFPB has taken action against Chase Bank for its [...]

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