California Debt Settlement Blog
FDCPA violations. Collector tactics. Settlement strategies. California law.
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The 7-Year Rule: What Stays on Your Credit Report and When It Must Come Off
California debt settlement: The 7-Year Rule: What Stays on Your Credit Report and When It Must Come Off. Learn how to negotiate and settle your debt for less than you owe — without an attorney. Free evaluation available at CreditFreedom.com.
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The Settlement Agreement: What Must Be in Writing Before You Pay a Dollar
California debt settlement: The Settlement Agreement: What Must Be in Writing Before You Pay a Dollar. Learn how to negotiate and settle your debt for less than you owe — without an attorney. Free evaluation available at CreditFreedom.com.
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Medical Debt in California: Special Rules That Give You Extra Protection
California debt settlement: Medical Debt in California: Special Rules That Give You Extra Protection. Learn how to negotiate and settle your debt for less than you owe — without an attorney. Free evaluation available at CreditFreedom.com.
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The Tax Consequence of Debt Settlement — What the 1099-C Means for You
California debt settlement: The Tax Consequence of Debt Settlement – What the 1099-C Means for You. Learn how to negotiate and settle your debt for less than you owe — without an attorney. Free evaluation available at CreditFreedom.com.
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Wage Garnishment After a Judgment: What They Can Take and How to Stop It
California debt settlement: Wage Garnishment After a Judgment: What They Can Take and How to Stop It. Learn how to negotiate and settle your debt for less than you owe — without an attorney. Free evaluation available at CreditFreedom.com.
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When a Debt Collector Sues You: What to Do in the First 30 Days
California debt settlement: When a Debt Collector Sues You: What to Do in the First 30 Days. Learn how to negotiate and settle your debt for less than you owe — without an attorney. Free evaluation available at CreditFreedom.com.
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How to Stop Collection Calls Today: The Cease Communication Letter
Federal law gives you an on-off switch for collector contact. One properly worded letter, and continued calls become violations you can cash in.
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The FDCPA Violations Checklist: 15 Collector Behaviors Worth $1,000 Each Case
Collectors break federal law constantly because most consumers never call it out. Every violation documented is settlement leverage — or a counterclaim.
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The Rosenthal Act: Why California Debtors Have Stronger Rights Than Everyone Else
California took the federal FDCPA and made it tougher — extending collection abuse rules to original creditors and adding state remedies on top of federal ones.
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The Debt Validation Letter: Your First 30 Days Decide Everything
The moment a collector first contacts you, a 30-day clock starts — and a properly sent validation letter forces them to prove the debt or stop collecting. Most people waste this window.