The repeated and harassing phone calls from creditors and debt collectors were one of the reasons you filed your chapter 7 bankruptcy petition; it was supposed to make the bill collectors stop! But many consumers have found this is not always the case and creditor harassment after chapter 7 is fa...
Is Allied Interstate garnishing your wages or have they threatened to garnish your wages? Can they do this? The answer depends. Any creditor or debt collector may be able to garnish your wages, but they must follow the proper procedure, and some wages are exempt from garnishment. Can Allied Inte...
While federal law prohibits a creditor or debt collector from attempting to collect on a debt after it has been discharged in bankruptcy, creditor harassment after chapter 7 is quite common. Collectors oftentimes pretend to be unaware of the bankruptcy filing or simply lie about your legal respon...
Help! I Owe Ace Cash Express Money If you have borrowed money from Ace Cash Express and have defaulted on the loan and are being harassed to pay it, or are unable to pay and will soon default, do not panic. There are some things you can do to attempt to resolve the matter first. I Owe Ace Cash ...
In July of 2014 one of the largest payday loan companies in the United States was ordered to refund $5 million to consumers and pay another $5 million in fines for what the Consumer Financial Protection Bureau (CFPB), a federal agency in charge of overseeing companies in the financial industry, c...
The California repossession laws allow repossession agents to repossess cars and vehicles on private property as long a breach of peace is not committed during the repossession.
The repossession laws allow finance companies to order cars and vehicles to be repossessed when the borrower is only one day late.
Scenario: Tim is searching for a used car to purchase. He decides to buy a car from a private party rather than a dealership. Tim has been searching on sites like Craigslist, Autotrader, and/or other private party bulletin board sites to locate the car he wants. After some searching, Tim fin...
In March of 2017 a Chicago woman filed a class action suit against Comenity Bank for making repeated and harassing calls to her cellular phone, using an automatic dialer, in violation of the Telephone Consumer Protection Act (TCPA). The woman alleges in her complaint that the repeated calls cause...
No one should live in fear of the telephone ringing, but many Americans do, and a growing number of outrageous debt collectors love it! With soaring healthcare costs, student loans being at their highest level ever and credit card balances rising at an alarming rate, Americans are drowning in debt. And with this mountain of debt come the debt collectors. Past due medical bills, delinquent mortgages, and over the limit credit cards are worrisome, but when the collection calls start, that worry and can reach a whole new level.
On behalf of Law Office of Paul Mankin on Monday, July 30, 2018. As a renter, you want to be sure that you are getting a good deal and safe living arrangements when you sign a lease for a home or apartment. Imagine the frustration of paying exorbitant rent rates for subpar living conditions. Thi...
On behalf of Law Office of Paul Mankin on Wednesday, June 27, 2018. Bedbugs. What a revolting thought. Do you have them in your California home or apartment? Before you answer with an emphatic “no,” be aware that you could have a bedbug infestation without even knowing it. The Centers for Diseas...
On behalf of Law Office of Paul Mankin on Monday, June 4, 2018. Lead paint is a serious health hazard. According to the EPA, millions of homes and buildings have harmful lead paint. If you live in an apartment built prior to 1978, you may suffer from lead paint exposure. Inhaling lead dust or ...
On behalf of Law Office of Paul Mankin on Tuesday, May 29, 2018. As a tenant, you are responsible to inform your landlord when a leak occurs. However, it is the landlord's responsibility to repair the leak immediately. Failure to do so right away can lead to serious water damage in your home. P...
On behalf of Law Office of Paul Mankin posted in blog on Friday, April 27, 2018. If you signed a lease when you moved into your California home or apartment and now find that you must move even though your lease term still has several months to go, you probably wonder if you can legally break yo...
On behalf of Law Office of Paul Mankin posted in blog on Saturday, March 31, 2018. As a renter in California, you deserve a habitable rental unit. Your landlord has legal responsibilities for making necessary repairs and maintenance. If your apartment is unhealthy or unsafe and your landlord ref...
On behalf of Law Office of Paul Mankin posted in blog on Monday, March 5, 2018. Is your apartment uninhabitable? California rental laws require apartments to suitable for humans to live in, free of hazards that put the safety and health of occupants at risk. Landlords are legally responsible for...
On behalf of Law Office of Paul Mankin posted in blog on Wednesday, February 28, 2018. Many people live in conditions that are untenable. For example, a landlord might do nothing about a bedbug infestation, broken door and leaky toilet. As a result, the tenants deal with a lot of stress and worr...
On behalf of Law Office of Paul Mankin posted in blog on Tuesday, January 30, 2018. Renting an apartment comes with many benefits, such as community amenities, no property taxes and free maintenance. However, what if your landlord does not make repairs? What are you supposed to do? The law allo...
On behalf of Law Office of Paul Mankin posted in blog on Tuesday, January 16, 2018. "The apartment has lead paint," is a phrase you are unlikely to enjoy hearing. However, if you have a limited budget, meaning you are also limited in your choice of apartments, then most of the places you are loo...
On behalf of Law Office of Paul Mankin posted in blog on Tuesday, January 16, 2018. Many landlords treat their tenants fairly, and many tenants follow the terms of their rental contracts. Sometimes, though, there are situations where landlords fall down miserably on their duties. Their negligenc...
On behalf of Law Office of Paul Mankin posted in blog on Thursday, December 28, 2017. Bed bugs can be more than a simple nuisance; they are also harmful to your health. Do not take a bed-bug infestation lightly, because you and others in your home or apartment may experience health problems. In...
On behalf of Law Office of Paul Mankin posted in blog on Friday, December 8, 2017. When you sign a lease and move into a new home or apartment, you likely do not expect that it will be a hazard to your health and the health of your family. This is exactly what happens, though, when there is lead...
On behalf of Law Office of Paul Mankin posted in blog on Friday, September 29, 2017. When you originally moved into your apartment in Los Angeles, you were probably excited. With a fresh coat of paint, new carpet and working appliances, you were happy. But now, the honeymoon has ended. You might...
On behalf of Law Office of Paul Mankin posted in blog on Friday, September 8, 2017. There are certain critters and creatures you never want to see in the place you call home, and cockroaches tend to rank high on the list. In addition to their unsightly, unsettling appearance, cockroaches can act...
