Credit Card Defense

You don’t have to miss your credit card or car payments by many days before the phone calls start – and once the calls start, they are relentless. I’ve had clients receive a dozen calls per day from debt collectors – that’s from each debt collector, not from the group.

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These and other debt negotiation or debt consolidation companies are not the bargain they claim to be. In my opinion, this industry preys on consumers when they are at their weakest – owing money, being besieged by daily calls from creditors or collection agencies, and desperate to get some relief from the pressure you feel all day long about your ...

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Spendthrift trust

It’s an advertisement. Letter from CivilCourtNotice.com, Lawsuit Notification Company, or LawsuitIssue.com apparently send this letter to everyone in southern California who is sued by credit card companies and/or debt collectors. Usually, the debtor receives this letter even before the process server arrives to serve them notice of the lawsuit, so this is often the first notice people receive that they ...

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Law Offices of Eric Ridley PORT HUENEME CA

There are a number of defenses that I raise when defending these NCT student loan lawsuit cases. Many of these National Collegiate Trust loans had a guarantee agreement in them (and they were never originally made by NCT). A guarantee agreement is similar to an insurance policy: When you default on the student loan, the guarantee company pays the claim.

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Law Offices of Eric Ridley PORT HUENEME CA

VENTURA, Calif. (CN) – An 81-year-old man claims in court that Diamond Resorts International, a timeshare club, defrauded him of $50,000 and keeps trying to get more. Louis Wolff claims Diamond Resorts International Club and six affiliates used high-pressure sales tactics to open credit cards in his name, run up bills on them “before plaintiff even realized the cards existed,” ...

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Some time back, Paypal, through their collection agency, American Coradius International, began collection efforts from me for an account that wasn’t mine, and that I had no knowledge of. I was pissed, and I blogged and tweeted about it.

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Law Offices of Eric Ridley PORT HUENEME CA

Federal agents in Georgia arrested John Todd Williams, 48, founder of debt collection agency Williams, Scott & Associates along with six other employees on Tuesday morning for allegedly running a $4.1 million debt collection scam that targeted more than 6,000 people across the United States.

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I just did an AMA (Ask Me Anything) about consumer and student loan debt, and about credit card defense, over at Reddit. I was hoping for maybe a hundred questions, and ended up with about 1,700.

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If you’ve been sued by a creditor, don’t panic. Breathe. No one is going to come to your house tomorrow and take your possessions. The legal system, in spite of its flaws, is usually fair, and it gives you lots of time to respond to your collection agency lawsuit, whether it’s from Midland Funding, Portfolio Recovery Associates, Kenosian & Miele, ...

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