Sued for Credit Card Debt in California? What to Do in the First 48 Hours
Served with a credit card lawsuit in California? You generally have 30 days to file a response. Here is what the papers mean and what to do first.
Debt Collector Letter in California: Your 30-Day Validation Rights
Got a debt collector letter in California? Learn what the 30-day validation notice means, how to reply in writing, and what not to say.
Is Paying Only the Minimum Safe? The Real Risk Is Time
Paying only the minimum keeps a card current, but interest can keep the balance almost unchanged for years. Here is where it stops working.
What Does “Charge-Off” Mean? What Happens Next in California
A charge-off is an accounting entry, not debt forgiveness. Learn what it means for your credit report, collection and possible lawsuits.
Default Judgment in California: What It Is and What Happens After
A default judgment happens when you do not respond to a lawsuit in time. See how it is enforced and what set-aside options may exist in California.
How to Read Your Credit Report When You Are Being Sued or Collected On
A practical walk-through of the credit report lines that matter if a collector has contacted you or you were sued: the collector, dates and status.
Debt Collector vs. Original Creditor: Who Actually Owns Your Debt?
The company contacting you may not be the bank on your card. Understand original creditors, collectors and debt buyers, and why it matters.
Lump-Sum vs. Installment Debt Settlement: How the Risk Differs
Compare lump-sum and installment settlements: who carries the risk, what happens if a payment is missed, and what to put in writing.
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