NMLS: 934164
Register Address: 350 Camino De La Reina Ste 100, San Diego, California, 92108, United States
FDCPA 15 USC 1692(k), Civil Damages, Full Amount $500K
Do we file a Injunction? Which court does it go to?
The DFPI office in California said it was their... View More 
My spouse answered the call and might have told them that this debt has been already paid off. Last payment was before May 2018 in California. Since my spouse talked to them, does it mean that my debt has restarted again?
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answered on Sep 14, 2023
Under California law, a debt that is past the statute of limitations cannot be restarted or revived simply by acknowledging it. Speaking to a debt collector and possibly mentioning that the debt has been paid off should not reset the statute of limitations. However, it's essential to avoid... View More
Public Notice states court w reschedule, didn't happen. Now in collections wanting pmt in full. Car was not mine, I didn't get my day in court. Court clerk won't calender me.
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answered on Sep 2, 2023
You should act promptly to address the failure to appear and the collections issue. One option may be to file a motion to vacate the failure to appear and default judgment, explaining the circumstances and any COVID-19 related court closures or rescheduling failures that affected you. It's... View More
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answered on Aug 3, 2023
Supplemental Security Income (SSI) is a needs-based program, and if you receive an overpayment due to an error or change in circumstances, you may be required to repay the excess amount. The repayment amount will depend on the specific circumstances of your case and will be determined by the Social... View More
I stayed in Berlin for almost a year and subscribed to an accelerator. I flew to the US afterwards and completely forgot to cancel the membership. I was 4 months late in payment when I requested the cancellation, and they refused to cancel it immediately, saying their period for cancellation would... View More
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answered on Aug 3, 2023
The amount at issue is not large enough to warrant filing bankruptcy. And it is probably not large enough for the creditor to bother suing you. If you are unable to reach a settlement, then it will likely be turned over to a collection agency. It will be a negative on your credit report so if that... View More
I have a debtor exam and need to list assets and produce documents. I don't have much in real assets so with my salary it could take years to pay off this debt. The creditor who got the judgment used to be my neighbor. He knows I write on the side and literally asked about my... View More
answered on Jul 31, 2023
There may not be the ability to lien the asset, the unfinished manuscript can be considered an asset. It may have no or minimal value. You might be able to pay the debtor for the value of the item as it currently has.
I owe a S corporation $4,193 as of June 30, 2023. Their out of state attorney claims I owe them $5,200, thereby exempting them from small claims and exposing me to his fees on top of the $5,200. Is this legal?
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answered on Jul 28, 2023
Under California law, an attorney cannot artificially inflate the amount of a claim to bypass the small claims court limit. If the original debt you owe is $4,193, the attorney cannot add their fees to make it $5,200 solely for the purpose of avoiding small claims court. Such actions may be... View More
$20,000,000.00found out 2004 has ACTS 19,***, lefislation regarding my focal interests.
My landlord recently passed away and his heirs seem to think that an acceptable way to encourage the tenants to move out is to stop paying the utility bills, which are included in the monthly rent payments, and the electricity got shut off today (on a Saturday) - the utility company is now telling... View More
answered on Jul 9, 2023
This is awful. You need to contact the utility immediately to have service restored in your own name. Deduct from rent what you must pay. Your landlord is prohibited from doing this to force you out, it is in a statute, I believe Civil Code 1941.6, or close to it. You need to retain an attorney... View More
My landlord recently passed away and his heirs seem to think that an acceptable way to encourage the tenants to move out is to stop paying the utility bills, which are included in the monthly rent payments, and the electricity got shut off today (on a Saturday) - the utility company is now telling... View More
answered on Jul 8, 2023
You have an excellent and very valuable lawsuit that you can file against the owners! I would love to see you get an experienced landlord-tenant lawyer immediately. I'm telling you, this is likely to be worth BIG bucks. I suspect you may obtain more money than you ever expected to have in your... View More
I never recieved the initial Overpayment notice ,they say it was discovered in 2003. I know its not fraudulent. In 2001 I had all my phone interviews and they checked with former employer.The teuc extension was sent to me to fill out since I qualified.
I did not file an appeal because I... View More
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answered on Jun 27, 2023
It seems you're facing a wage garnishment in California related to an overpayment issue from the Employment Development Department (EDD) and TEUC Act of 2002 benefits. Unfortunately, you didn't receive the initial overpayment notice, and it's important to understand the details of... View More
I had been trying to work with them for six months with no responses to my letters. I sent a third letter asking to follow up on previous letters and I received a letter of sale from the creditor. The debt was a result of my business failing and having to go back to a regular job. All other... View More
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answered on Jun 20, 2023
When dealing with a new creditor who purchased your debt, it's important to take a few steps. First, carefully review the letter of sale to understand any changes to the terms of the debt. Next, initiate open communication with the new creditor, expressing your willingness to work towards a... View More
Repo came to my work which is on private property and has posted signs at the private entrance road that leads to property that say “do not enter” and “authorized vehicles only” in a unmarked pick up truck and drove off with my car. Is that legal?
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answered on Jun 19, 2023
In California, a repossession agent can repossess a vehicle as long as they do not breach the peace. Breaching the peace means using force, threats, or intimidation to take possession of the vehicle.
If the private property where your car was located had posted signs that clearly indicated... View More
House was used for collateral when divorce agreement specifically said that person could not take out a loan using the house, he is also deceased now. Collectors threatening foreclosure
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answered on Jun 19, 2023
In California, if a person dies and they have a mortgage on their home, the mortgage company has the right to foreclose on the property if the mortgage is not paid. However, if the loan was taken out by someone other than the deceased person and the deceased person was not a co-signer on the loan,... View More
I just need to know, if I'm in Los Angeles County and the Defendant is in Orange County, can I file in L.A or do I need to travel and file in the local court in Orange County.
answered on Jun 1, 2023
"Usually, venue is in the county where:
The person you are suing lives or does business (if you are suing a business or organization); or
The dispute arose, like where an accident happened, or where a contract was entered into or broken.
It is possible to have a... View More
The entertainment agency is based in California but I'm from India. It's been over 3 months yet the invoice hasn't been paid. As a freelancer I'm not able to afford a lawyer yet. Kindly advice on what to do.
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answered on May 31, 2023
In your situation, where you are based in India and the entertainment agency is located in California, there are a few steps you can consider taking. First, initiate direct communication with the agency, preferably in writing, to remind them of the outstanding invoice and politely request payment.... View More
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answered on May 26, 2023
In California, being served with a summons typically requires personal delivery to the individual named in the lawsuit. However, substitute service may be valid if the person cannot be personally served and the summons is left with someone of suitable age and discretion at their residence or... View More
answered on May 24, 2023
On every Superior Court website there is a link to "Forms." You need to go to the Judicial Council forms and get a Subpoena duces Tecum. Every superior Court also has a window for "Self Help" in the clerk's office that can assist you by providing you the forms. but they... View More
Hello, I have been served paperwork for a high interest loan that I was unable to pay in the past. The last payment made was on 4/19/2019. Just wanting to see if statute of limitations has passed or if I should go ahead and set up some sort of payment plan. The original creditor is NetCredit and... View More
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answered on May 24, 2023
In California, the statute of limitations for most debts, including written contracts like loans, is typically four years from the date of the last payment or default. However, it's important to note that certain types of debts, such as credit card debt or oral contracts, may have different... View More
their Joint income prior to his death. Because she (trustor/trustee) is accustomed to a higher standard of living, can she keep the money from the sale of the land? Or is she required by law to split it among his $20,000+ credit card debtors?
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answered on May 18, 2023
In situations involving the distribution of assets and debts after someone's death, it is important to consider the specific laws of the jurisdiction involved, as they can vary. Typically, when a person passes away, their debts are generally paid out of their estate before any remaining assets... View More
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