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Mini-TCPAs Enacted by California State Legislatures

Communication technology is part of practically everyone’s daily life. The issue of consumer privacy and protection against unsolicited calls has caught the attention of lawmakers...

How to Settle a Debt in California

According to the latest figures, 32 percent of Americans have at least one account in collections. Moreover, there are $153 billion in outstanding collection balances...

What You Need to Know About Collection Demand Letters

Receiving a collection demand letter can be a stressful and confusing experience. These letters are a serious matter, signifying that a creditor or collection agency...

What Can You Do When a Commercial Debt Collection Agency Threatens Your Business?

When a commercial debt collection agency threatens your business, it can feel like a dark cloud is about to pour rain on your company, which...

Your Credit Reporting Rights as a California Consumer

Californians have a powerful credit reporting ally. Enacted to safeguard consumer’s credit reports, the Fair Credit Reporting Act (FCRA) establishes a legal framework to ensure...

What Debt Is NOT Covered by FDCPA?

The Fair Debt Collection Practices Act (FDCPA) is a shield against unfair debt collection practices, but it has its limitations. In addition to exploring FDCPA...

5 Things You Need to Know About FCRA Compliance

The Fair Credit Reporting Act (FCRA), established in 1970, is a cornerstone of consumer credit rights in the United States.  It governs the collection, sharing,...

Who Enforces the FCRA?

In today’s digital age, where financial information is vulnerable, knowing how to protect yourself is necessary as more and more of your personal information is...

What Are Three Exceptions to the TCPA?

The Telephone Consumer Protection Act (TCPA) is a federal law that restricts how businesses can communicate with individuals via telephone and text messages.  Enacted to...

What Is the Lowest a Debt Collector Will Settle For?

Dealing with debt collectors involves complex negotiations, understanding legal rights, and making informed financial decisions. When debts become overwhelming, one of the paths that debtors...