Who is Zwicker and Associates and why are they bothering me?
Zwicker & Associates — LWL <div class=”quick-answer” style=”background:#002b5b;color:#fff;border-radius:8px;padding:20px 24px;margin:0 0 32px 0;”> <strong style=”font-size:1.1em;”>Quick Answer</strong> <p style=”margin:8px 0 0 0;”>Zwicker & Associates is a national debt collection law firm that sues consumers on behalf of
Who Is Nelson & Kennard? What to Do If They Contact You in California
Quick Answer Nelson & Kennard is a California debt collection law firm that sues consumers on behalf of creditors and debt buyers. If they have contacted you, you have rights under the FDCPA and California’s
Are Online Payday Loans Legal in California
Quick Answer Online payday loans are legal in California — but only if the lender holds a valid DFPI license as a deferred deposit originator under the California Deferred Deposit Transaction Law (CDDTL), Financial Code
Who Is Mandarich Law Group and What Do They Want From Me?
Quick Answer Mandarich Law Group is a high-volume debt collection law firm that files lawsuits across California on behalf of the largest debt buyers in the country — including Midland Funding, Portfolio Recovery Associates, LVNV
Who Is Jefferson Capital Systems LLC and What Do They Want From Me?
Quick Answer Jefferson Capital Systems LLC is a large debt buyer that purchases defaulted consumer accounts — primarily credit cards, auto loans, telecom debt, and retail installment accounts — from original creditors for pennies on
Who Is LVNV Funding LLC and What Do They Want From Me?
Quick Answer LVNV Funding LLC is one of the largest debt buyers in the United States. If you have received a letter or lawsuit from LVNV Funding or its servicer Resurgent Capital Services, it means
Who Is Cavalry SPV and What Do They Want From Me?
Quick Answer Cavalry SPV I LLC is one of the largest debt buyers in the United States. If you have received a letter or lawsuit from Cavalry — also known as Cavalry Portfolio Services —
Who Is Portfolio Recovery Associates and What Do They Want From Me?
Quick Answer Portfolio Recovery Associates is one of the largest debt buyers in the United States. If you have received a letter or a lawsuit from PRA, it means they purchased your defaulted account —
Who Is Midland Credit Management and What Do They Want From Me?
Quick Answer Midland Credit Management is one of the largest debt buyers in the United States. If you have received a letter or a lawsuit from Midland, it means they purchased your defaulted account —
Can a Doctor’s Office Send Me to Collections in California?
Quick Answer Yes — a doctor’s office, medical group, or specialty provider can send an unpaid bill to collections in California. But before doing so, and once the account is in collections, both the provider
Can Medical Debt Affect My Credit Score in California?
Quick Answer Medical debt can affect your credit score in California — but recent changes to federal and state law have significantly reduced its impact. Paid medical collections no longer appear on credit reports. Medical
Can a debt collector garnish my Social Security?
Quick answer: Federal and California law both prohibit judgment creditors from garnishing Social Security benefits to pay consumer debts. But that prohibition does not enforce itself. If a debt collector levies your bank account and
Can a Debt Collector Put a Lien on My House in California?
Quick answer: Yes — once a creditor has a money judgment against you, it can record an Abstract of Judgment with the county recorder and create a lien on real property you own in that
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 under oath about your income, assets, bank accounts, and property.
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 debt is older than four years from your last payment
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 and let a default judgment enter, the collector wins without
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. Since 2022, debt collectors — including debt buyers, collection agencies,
What Property Can Creditors Take in California?
Quick answer: In California, a judgment creditor can seize certain property to satisfy a debt — but not everything you own is fair game. California law provides important protections for property people depend on to
Can I Sue a Debt Collector in California?
Yes — and in California, you have two separate laws working in your favor: the federal Fair Debt Collection Practices Act (FDCPA) and California’s Rosenthal Fair Debt Collection Practices Act. If a debt collector violated
What Happens If I Was Never Served But My Wages Are Being Garnished?
What Happens If They Never Served Me But Now I’m Being Garnished? If money is being taken from your paycheck and you never knew there was a lawsuit against you, you are not out of