California Debt Settlement Blog
FDCPA violations. Collector tactics. Settlement strategies. California law.
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More on damages in Forclosure
Gzell v. Novastar Mortg., Inc. Citing Refs. With analysis available. Click to Shepardize™ 2010 U.S. Dist. LEXIS 85182 Headnotes: HN2, HN11 A “trustee or mortgagee may be liable to the trustor or mortgagor for damages sustained where there has been an illegal, fraudulent or wilfully oppressive sale of property under a power of sale contained…
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Foreclosue Damages ?
Gzell v. Novastar Mortg., Inc. Citing Refs. With analysis available. Click to Shepardize™ 2010 U.S. Dist. LEXIS 85182 Headnotes: HN2, HN11 A “trustee or mortgagee may be liable to the trustor or mortgagor for damages sustained where there has been an illegal, fraudulent or wilfully oppressive sale of property under a power of sale contained…
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Stopping credit collection lawsuits!
The threat of having a judgment being put against you from a collection attorney is very scary. Many people are faced with this situation every day. We hope that the information to follow will aid you in getting through this very difficult experience and at the same time allow you to have your case dismissed…
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Validation of debt: 7 debt validation steps to fight collection agency
Are collection agencies harassing you with repeated calls? Are you sure they’re legally entitled to collect the debt? Before you make a payment, try finding out if the agencies have the right to collect your debt. This is where debt validation can help you. Check out the topics given below if you want to know…
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How to request creditor for debt verification
How to request creditor for debt verification Debt validation works only with collection agencies and not the original creditor. The only way you can make your original creditor verify your debt is by telling him that you’ll sue his company for defamation if he cannot prove that you are actually late on payments or even…
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Goodwill letter to remove negative listing on your credit report
Goodwill letter to remove negative listing on your credit report If you’re looking to remove old negative items from your credit report, a Goodwill Letter is what you may need. Using goodwill letters, you can request your creditor or collection agency to remove negative listings purely out of goodwill. For instance, if you’ve made late…
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Letter to collection agency for Cease and Desist
Letter to collection agency for Cease and Desist One way to stop harassing phone calls from a collection agency is to send them a Cease and Desist Letter, requesting that they stop contacting you. Below is a sample Cease and Desist Letter. Your Name Your Address Your Phone # Collector’s Name Collector’s Address Date Dear…
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How to request creditor for an alternative payment plan
How to request creditor for an alternative payment plan If you have a past due payment or delinquent account, try negotiating an alternative payment plan with your creditor. This is when you’ll need a “letter to request creditor for alternative payment plan”. You’ll find a sample format of such a letter as given below. Your…
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How to counter a debt settlement offer
How to counter a debt settlement offer A counter offer to debt settlement offer is what you propose to pay your creditors/collection agencies in response to the offer they make for a settlement of your debt. The sample settlement counter offer letter below should be attached to the Debt Settlement Agreement Letter sent to your…
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Debt settlement agreement with creditor or collection agency
Debt settlement agreement with creditor or collection agency If you’re working out a debt settlement agreement with your creditor or collection agency, make sure you get it in writing from them. This is when you need the Debt Settlement Agreement Letter stating the terms and conditions of the settlement. Your Name Your Address Your Phone…