How Debt Settlement Works in California
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Tell us about your unique situation.
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Did you know — Approximately 20,000 lawsuits are filed by banks A MONTH in CALIFORNIA? Whether you have been sued by a big bank (Bank of America, Wells Fargo, Chase, Discover, American Express, Capital One, Credit One, etc) or a small bank (Synchrony Bank, Credit Unions, Midland Funding, Barclays, etc), or even a bank you’ve never heard of, CALL NOW. Once you’ve been served, you only have a limited time to file an answer with the court before the Bank is eligible to enter a default judgment against you. YOU DO NOT WANT THIS TO HAPPEN. A judgment entered against you may tarnish your credit, prevent you from obtaining a loan, and subject you to wage garnishment.
Whether you want to negotiate a settlement or defend the lawsuit and challenge the charges on the account, we can help! Depending on your situation, you may even have a countersuit against them and we can put money back in your pocket. Call us today for a free case evaluation 858-800-2458!
Common Violations of the FDCPA and the RFDCPA
If you have experienced any of the following tactics by banks, credit card companies or any other company in the business of collecting debts, you may have claim against them. You may also be entitled to money! Let us review your matter for free.
Phone calls before 8:00 a.m. or after 9:00 p.m.
Threats to garnish your wages, levy your bank, or put a lien on property if they do not have a legal right to do so
Threatening to make public, or actually making public, that you owe an alleged debt
Phone calls at work after being told not to do so
Saying that you committed a crime Phone calls or letters after a cease and desist request has been made
Informing others of your debt (with limited exceptions)
Phone calls or letters after a cease and desist request has been made
Threats to have you arrested
You Have Rights Against Debt Collectors Who Violate the Law
Congress has enacted the Fair Debt Collection Practices Act (“FDCPA”). This statute protects consumers from abusive collection tactics. If a debt collector violates the FDCPA, you may be entitled to a maximum total of $1,000.00 in statutory damages and actual damages if any. Furthermore, if you prevail, the court may require the debt collector to pay your attorneys fees and costs. RC Legal Group will not charge you attorney’s fees to file such a lawsuit on your behalf. Call us today 858-800-2458
Student Loan Debt Lawsuits
Have you been sued by a private student loan company? If so, call us today at 858-800-2458! We can help alleviate the stress of your debt and help negotiate a settlement you can afford! The worst thing you can do is do nothing! This program only works if you are in default, collections, behind on your payments, or have already been sued.
Has a judgement been entered against you but you were never even given notice? You’ve got options. Unfortunately it is not uncommon for debt collectors to “attempt” to serve you and give you “notice” that a lawsuit has been filed against you – only to find out that they had the wrong address or simply lied to the court and said they served you. What happens from there is that they enter a default judgment against you for the amount they claim you owed them. That default judgment will accrue interest for the next 10 years until they file to renew the judgment and are required to notify you once again. We are here to help vacate the default judgment and give you your power back! CALL US TODAY! 858-800-2458
DEBT STINKS, THINK PINK!