2020

The federal agency that is tasked with protecting consumers recently issued final amended regulations intended to protect consumers from unfair debt collection practices and give them additional rights. The agency is called the Consumer Financial Protection Bureau (“CFPB”) and has, in the past, issued a set of rules commonly known as “Regulation F.” Earlier versions … Read more

Debt settlement is an alternative to filing for bankruptcy that accomplishes many of the same goals. A debtor obtains relief from abusive calls, harassing letters and other oppressive efforts to collect on past-due debt. A debtor also receives peace of mind and relief from worry and stress. This is particularly true once debt settlement negotiations … Read more

In good news for California residents needing relief from crushing debt, Governor Newsom recently signed a new law which gives California debtors significant relief in bankruptcy proceedings. The new law, designated as “AB 1885,” increases the state’s homestead exemption for personal bankruptcies. AB 1885 was signed on September 15, 2020 and goes into effect on … Read more

Here in the Golden State, employers cannot fire you for unlawful reasons or for reasons that contravene the fundamental public policy of the State of California. Workers have strong rights that are vigorously protected by the California court system. If you have recently been fired, you should contact an experienced California wrongful termination attorney, like … Read more

You can sue if you have been a victim of “robocalling” or “robotexting.” There is a federal statute called the Telephone Consumer Protection Act (“TCPA”) passed by Congress in 1991. See 47 U.S.C. § 227. The TCPA prohibits robocalls to consumers and has, over the years, been expanded to prohibit robotexting. More specifically, the TCPA … Read more

You Can Sue if You Have Been a Victim of Unfair Debt Collection Practices Here in the United States, consumers who are behind on their debt payments are well protected by Federal and state laws from harassing, abusive, and unfair debt collection practices. If you have been victimized by such practices, you can sue. At … Read more

Under the US Bankruptcy Code, 11 USC §101 et seq , people with overwhelming debts are entitled to file for bankruptcy to obtain relief from their financial stress and worry. Some people are entitled to obtain FULL discharge of qualified debts. We say qualified because certain debts cannot be eliminated via discharge. Common examples of … Read more

As A Consumer, You Have Rights! Being hounded by creditors can be an incredibly stressful experience. The Federal Government has stated that predatory practices by creditors contribute to an increasingly high number of bankruptcies, cause marital instability, and harm the economy in both big ways and small. This was the inspiration for the creation of … Read more

Although it may seem counter-intuitive to spend money on a lawyer when you’re already in debt, you may be surprised to learn that hiring an experienced Debt Settlement Attorney can actually save you money. The Benefits of Hiring a Lawyer You are legally entitled to attempt negotiations with your creditors on your own behalf—you do … Read more

The COVID-19 pandemic has significantly impacted on our day-to-day lives, as well as our nation’s economy. With the majority of states sheltering-in-place, many people and businesses are experiencing extreme financial hardship. If you have lost your job or are struggling to pay your rent or bills, it is natural to feel overwhelmed, but there are … Read more