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Riverside Office

11801 Pierce St.
Suite 200
Riverside, CA 92505
(951) 241-8070
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Temecula Office

41690 Enterprise Circle N.
Ste. 202
Temecula, CA 92590
(951) 294-5471
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Orange Office

2112 E. Fourth St.
Ste. 103
Santa Ana, CA 92705
(866) 337-7220
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Long Beach Office

3711 Long Beach Blvd.
Ste. 710
Long Beach, CA 90807
(562) 506-0016
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Los Angeles Office

515 S. Flower St.
36th Floor
Los Angeles, CA 90071
(213) 330-8999
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Recent Posts in Debt Collection Category

Avoiding an Administrative Freeze on Your Bank Account

WHAT'S AN "ADMINISTRATIVE FREEZE" OF A BANK ACCOUNT? I discussed bank administrative freezes in a very recent article called Court of Appeals Allows "Administrative Freeze" . ...
Continue reading "Avoiding an Administrative Freeze on Your Bank Account" »

Can Stores Enforce Their Credit Card Security Agreements in California

In a recent blog post I addressed the question, "Can Stores Repossess What You Bought with the Store Card?" The basic answer was that they can if their store credit card contract gave them a ...
Continue reading "Can Stores Enforce Their Credit Card Security Agreements in California" »

Can The Bank Take Money From My Account to Pay What I Owe Them?

Your financial institution can take your money on deposit because of its right of setoff. WHAT IS A SETOFF ? When you think of money being grabbed out of somebody's checking or savings account, ...
Continue reading "Can The Bank Take Money From My Account to Pay What I Owe Them?" »

How Does the Statute of Limitations Work for Debt?

To start it helps to understand the purpose behind statutes of limitations. They are policy decisions by state legislatures intended to limit how long a person or business can pursue someone in court ...
Continue reading "How Does the Statute of Limitations Work for Debt?" »

Can You Discharge An SBA Loan in Bankruptcy?

Yes, SBA loans can be discharged just like any other business loan. (This assumes that the loan was not incurred fraudulently, for example, through misrepresentations on the credit application; if so ...
Continue reading "Can You Discharge An SBA Loan in Bankruptcy?" »

Will My Co-Signer's Credit Be Affected If I File for Bankruptcy?

You may well be hesitant to file a bankruptcy case for your own benefit if that means trashing your co-signer's credit. The good news is you CAN protect the co-signer from bad marks about your ...
Continue reading "Will My Co-Signer's Credit Be Affected If I File for Bankruptcy?" »

My Credit Report Does Not Show Mortgage Payments After Bankruptcy

After filing for bankruptcy, you may have noticed that your monthly mortgage payments are not being listed on your credit report. Instead you will see the account listed as "Included in ...
Continue reading "My Credit Report Does Not Show Mortgage Payments After Bankruptcy" »

Can a Tax Refund Be Taken for Military Star Card

If you are in default on your military star card then the Internal Revenue Service may take your tax refund to pay off your debt. As part of the Treasury Offset Program, your tax refund can be taken ...
Continue reading "Can a Tax Refund Be Taken for Military Star Card" »

Your Tax Refund Can Be Taken If You Owe Certain Debts

If you are counting on getting your federal income tax refund this tax season, you can't be so sure that you will if you owe one any of a long list of debts. 100% of your tax refund could be ...
Continue reading "Your Tax Refund Can Be Taken If You Owe Certain Debts" »

Four Potential Steps to Take in California against a Creditor Violating Fair Debt Collection Law

My last blog post was about what creditors and collection agents are allowed and are not allowed to do under the federal and California Fair Debt Collection Practices Acts. There is no doubt that some ...
Continue reading "Four Potential Steps to Take in California against a Creditor Violating Fair Debt Collection Law" »

What Are the Ways that Creditors and Collection Agents May, and May NOT, Contact You in California?

WHAT DOES THE "FAIR DEBT COLLECTION PRACTICES ACT" SAY ABOUT THIS? To start, there are both a federal Fair Debt Collection Practices Act (FDCPA) and a California one (CFDCPA). They both ...
Continue reading "What Are the Ways that Creditors and Collection Agents May, and May NOT, Contact You in California?" »

What to Do If You Receive An "Order to Appear for Examination"?

WHY WOULD I GET AN "ORDER TO APPEAR FOR EXAMINATION" FROM A CREDITOR? You could get served with such a court order after a creditor sued you and got a judgment against you. Once a creditor ...
Continue reading "What to Do If You Receive An "Order to Appear for Examination"?" »

Can My Social Security or SSI Be Garnished?

If you are receiving Social Security or SSI (Supplemental Security Income) chances are that you are living on a fixed income. If you owe creditors for medical bills, credit cards or personal loans you ...
Continue reading "Can My Social Security or SSI Be Garnished?" »

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