I Was Never Served With a Lawsuit But There’s a Judgment Against Me — What Can I Do?
Quick answer: If there is a judgment against you and you were never served with the lawsuit, you may be the victim of defective service
What is a debtor’s examination and what do they ask?
Quick answer: A debtor’s examination — formally called an Order of Examination — is a court proceeding in which a judgment creditor can question you
Can a Debt Collector Sue Me for an Old Debt in California — And Can They Restart the Clock?
Quick answer: Yes — a debt collector can sue you for an old debt in California, even one that is years old. But if the
What Is the Difference Between Dismissal With Prejudice and Without Prejudice in California?
Quick answer: A dismissal with prejudice ends a case permanently — the plaintiff cannot refile the same claim again. A dismissal without prejudice ends the
Can I Win in Arbitration Against a Debt Collector in California?
Quick answer: Yes — consumers can and do win in arbitration against debt collectors. The process is less formal than court, but the same fundamental
What Is Arbitration and Can It Help Me If I’m Being Sued for Debt in California?
Quick answer: Arbitration is a private dispute resolution process that takes place outside of court. If the credit card agreement or loan contract you signed
Can a debt collector sue me without proof?
Quick answer: Yes — a debt collector can sue you without proof. Filing a lawsuit requires only a complaint, not evidence. If you do nothing
Is There an Agency That Regulates Debt Collectors in California?
Quick answer: Yes. The California Department of Financial Protection and Innovation (DFPI) is the state agency that licenses and regulates debt collectors operating in California.
Debt Collection
What Is the CFPB and How Does It Regulate Debt Buyers?
Quick answer: The Consumer Financial Protection Bureau (CFPB) is the federal agency responsible for regulating debt collectors and debt buyers under the Fair Debt Collection
How Do Debt Collection Law Firms Work in California?
Quick answer: Debt collection law firms are high-volume litigation operations that sue consumers on behalf of creditors and debt buyers. They file hundreds or thousands