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answered on Feb 14, 2023
The act applies against 3rd party consumer debt collectors. If the state is seeking to collect reimbursement for AFDC and/or other social welfare programs, it won't apply. Child support is not a consumer debt.
answered on Feb 14, 2023
Your question is simply too vague and too broad. You will get a better chance of a helpful answer by adding some specifics, such as what kind of info was sent, and who received it.
answered on Feb 13, 2023
If the company is validly licensed for this kind of activity and the loan paperwork meets the requirements of law - then your answer is, unfortunately, yes and they can get away with it.
However, worthy of consideration is the fact that every consumer lets them do it to us when we take the... View More 
As a consumer, are you legally required to pay a surcharge on restaurant bills? I know during Covid, restaurants were tacking on 3%, 4% or even 5% surcharge to your dining bill. Now, I have heard that some restaurants in Los Angeles, try to tack on a $100 surcharge or a 24% surcharge. If the... View More
answered on Feb 13, 2023
I dine out often, including in Encino where you live. I have never seen what you describe. I have seen a few places that automatically add an 18% tip to the check, and the menu clearly says so.
It is worthy of consideration to realize that a restaurant that secretly adds a $100 surcharge... View More
answered on Feb 13, 2023
It is probably legal. It sounds like a rent to own type of transaction.
answered on Feb 13, 2023
Call the other side immediately and ask for an extension. And then document the extension with a confirming email. You should be fine.
Also on my phone it says auto pay has been set up with the debit card used to buy the phone. I didn't use a debit card though.
answered on Jan 16, 2023
I suggest you IMMEDIATELY return to the store and see the owner/manager to set this right. There are several explanations for this that come to my mind and none of them are on the up and up.
debt, becomes noncollectable in California?
answered on Jan 10, 2023
In most cases, it will start on the date that you defaulted. However differing situations may affect the start date, such as if you make another payment, or if you have left the country.
I have our house in a revocable trust and need to transfer (or amend) to protect the assets from litigation/bankruptcy.
answered on Jan 4, 2023
You desperately need an in-person sit-down meeting with a bankruptcy expert. You have a lot going on. Maybe more than one meeting will be necessary.
There already are certain protections built into the law that might prove to be sufficient to protect someone's home and other assets.... View More
answered on Dec 19, 2022
Asking for the return of your down payment is like trying to return a pack of gum after you have chewed it. There is nothing in your question that provides anything to justify why you should get what you want.
I was being considered for a post pandemic loan modification. I was approved and made seven trial payments. The bank suspended the modification because they say that I did not send in a form that was needed to complete the modification. I mailed the form to them on two occasions in the envelope... View More
answered on Dec 1, 2022
The way I see things, it doesn't matter. The taxes and insurance are payable now, and so is the principal plus interest. Unless you pay enough to cover everything, you still have a deficiency.
I purchased a $500 prepaid Visa gift card from a grocery store in CA in 2022. An unknown person registered it in his name after I used $387 of the $500. Customer Service for the Bank who issued the Visa gift card refuses to fraud out this Visa card because the thief registered it in his name.... View More
answered on Nov 30, 2022
My experience with prepaid cards is that you have to register the card before it becomes active. Based on the information in your question, it seems to me that you did not purchase the card.
I moved from San Diego, CA to Odessa, Tx. After a year or so I made return trip to San Diego CA. I spoke to party I had made verbal agreement to make payments to pay me for car. I informed party I wanted car back for none payment. The party refused I would like my property returned. And take... View More
answered on Nov 17, 2022
I would sue this person immediately in small claims court in the city where the other person lives.
No will, trust, or probate. Title held in both parents names. Both deceased. Last one on 9/20/22. Email from HUD services states we need to leave and they may lock us out at any time. Need time to empty the home. Home is not worth the mortgage balance. Ok with foreclosure as long as we have some... View More
answered on Nov 16, 2022
yOU WILL DO YOURSELF A BIG FAVOR BY SEEING AN ATTORNEY IMMEDIATELY with (sorry about the caps) all the relevant papers. Frankly, it sounds like there have already been foreclosure and eviction proceedings.
The New Vehicle Warranty is transferable. I participated in an arbitration and the manufacturer was ordered to repair the car. The manufacturer has blacklisted the car, preventing any service done to the car including recall repairs, can't even make a service appointment. Since I've... View More
answered on Nov 11, 2022
The damage to the windshield was caused by the negligence of the repair shop, wasn't it? If so, it is not a mechanical defect and is outside of the warranty and the manufacturer has no responsibility for it. Your claim is against the shop.
Damages for your wasted time is not... View More
the people who bought it say they purchased it from me but i have roof i was incarcerated at that time. the police wont honor my pink slip and wont check the valdity of the paperwork the people posess
answered on Nov 10, 2022
I'm sorry this happened. You can find answers. But you'll need to do some detective work.
The things we need to know will include:
1. Was the registration current?
2. Where was the vehicle last parked or stored, to your knowledge?
3. Was there a loan on the... View More
But I’ve never received a letter or any paperwork,and they said I didn’t showed up at court, so I’m asking for professional advise , they said that they served me a letter but I haven’t received anything, nor anyone at my house have seen anything like that,
answered on Nov 7, 2022
Dear Salvador, These things often take a person by surprise. You should see a bankruptcy lawyer immediately for advice. Most BK lawyers do not charge for advice and will give you a free consultation. Do you need to file for bankruptcy? Nobody knows. That's why you are being advised to see a... View More
My car was donated in 2019. I submitted NRL online.
In Feb 2022, a towing company sent me a bill regarding my car got abandoned and I need to pay them to claim the car. The ownership was never transferred. The notice didn't tell what other thing (e.g. dispute, show proof of NRL) that I... View More
answered on Oct 9, 2022
You are right on most counts. Except I think you are wrong about these people being debt collectors. I strongly believe the people contacting are scam thieves, not legitimate debt collectors.
They probably gain access to lien sale notices through the DMV.
Then, with that info in... View More
I paid cash for a used motorcycle from a repair/dealership owned by someone I have known a long time. The owner himself sold it to me. I gave him the cash, he gave me the title and keys. Done deal right? Well turns out the title he gave me was 'invalid'. I found this out after bike was... View More
I was up to date with payments with them until I just couldn't even afford the minimum payment. I was barely able to pay my rent. I work in the restaurant industry, and it was hit hard. I did try to work out something with them but what they wanted I still couldn't afford. I stopped... View More
answered on Sep 1, 2022
The restaurant industry was hurt terribly, (and unnecessarily in my opinion), by government regulations and forced closures.
I suggest you visit a bankruptcy lawyer immediately, for a consultation. Most of us BK lawyers do not charge you for a consultation. I can't say at this point... View More
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