An application for credit or a loan, including auto loans, permits a potential lender to run a “hard” credit inquiry for the purpose of assessing a consumer's credit risk. Since a hard credit inquiry appears on the consumer's credit report and affects the consumer's credit score, it is important ...

A consumer attorney, also known as a consumer protection attorney, is an attorney who specializes in consumer protection law. These attorneys help consumers use the law to protect themselves from businesses who use unfair or deceptive practices when dealing with the public and selling goods or se...

There are many forms of identity theft and the term refers to any crime where someone obtains and uses another's personal information in order to commit fraud or deception, usually for personal financial gain. Along with technology has entire new ways to steal a person's identity, and whole new w...

Does Ace Cash Express call your job attempting to collect on a past due pay day loan? If it does, it may be violating the law and you could have a claim against them. So what is the law and how do you make the calls to your place of employment stop? Can Ace Cash Express Call Your Job? If your ...

Credit One Bank is not a stranger to complaints and even class action lawsuits regarding its abusive collection practices. The nationally chartered bank, headquartered in Las Vegas, Nevada has been accused of violating both the federal Telephone Consumer Protection Act (TCPA) and California's Ros...

Are you getting collection calls from a company you do not owe? How to make them stop can be quite simple or very difficult; it depends on who is calling, a creditor or a debt collector, and why they are calling.  Creditor vs. Debt Collector – Who is Calling Me? A creditor is someone that a c...

One of the main reasons consumers file Chapter 7 bankruptcy is to stop creditor harassment, but it doesn't always work the way it is supposed to, and sometimes when it does, it may not the way you thought it would work. So what exactly are the laws about creditor harassment after chapter 7 and wh...

On September 6, 2001 a class action lawsuit was filed against Ace Cash Express in the United States District Court for the Northern District of Texas. The Complaint alleged that Ace Cash Express exploited low income consumers by charging outrageous and illegal interest rates on payday loans and u...

Credit One Bank harassment has been reported to the Better Business Bureau (BBB) by over 1,200 consumers in the last four years. Complaints allege that the credit card company has harassed consumers by placing repeated calls to their cellular phones, attempting to collect for charges that were re...

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...