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California Credit Law Blog 
Covers California Consumer Law, including news and events dealing with Consumer Law.
Post Frequency: 0.6/day Last Entry: March 21, 2011 at 21:15:33 Recent Entries: 118
By Kemnitzer, Anderson, Barron, Ogilvie & Brewer
Go to California Credit Law Blog, find other Consumer Law blogs, or browse all law blogs.
Consumers Are Targets of Skyrocketing Numbers of Debt Collection Suits, Most By Debt Buyers
Posted on November 13, 2007Consumers in New York City are faced with unprecedented numbers of debt collection suits, according to a new study by the Urban Justice Center (UJC), a provider of free legal services to low-income working poor New Yorkers. The study's results are shocking...
Lenders Charge Homeowners Questionable Servicing Fees to Add to Bankruptcy Burden
Posted on November 06, 2007Loan servicers tack on all kinds of bogus fees and charges to consumers going through Chapter 13 bankruptcy and whose homes are being foreclosed upon, according to an article in today's New York Times. Bankruptcy specialists say lenders and loan servicers often do not comply with even the most basic legal requirements, like correctly computing the amount a borrower owes on a foreclosed loan or providing proof of holding the mortgage note in question...
Debt Buyers Continue to Relentlessly--and Illegally--Pursue Consumer Debt Discharged in Bankruptcy
Posted on November 05, 2007This post linked to BusinessWeek's fine article about consumers who file bankruptcy under Chapter 7 and are supposed to have their debts erased. Many post-bankruptcy consumers were finding that debt collectors were continuing to pursue them for debts already discharged in bankruptcy...
Fee-Harvester Cards: Credit Cards That Are Really Just Fee-Generating Scams
Posted on November 02, 2007Credit Repair Scams: How To Spot Them
Posted on November 01, 2007Consumers with poor credit naturally want to clean up their credit reports. But as Michelle Singletary reported in her Wahington Post column last week, there are credit repair scammers out there that are perfectly willing to take consumers' hard-earned cash and then fail to do anything useful...
Equifax Extends Credit File Freeze Option to All States
Posted on October 26, 2007Victims of identity theft may opt to have their credit files frozen--meaning no one, not even creditors, may access their credit reports without the victim's consent. Laws in 39 states, including California, have mandated this option. The credit reporting agencies have opposed these laws, but on October 25, 2007, Equifax announced it would extend the right to freeze consumer files to all 50 states according to its press release...
Countrywide Says it Will Help 80,000 Consumers Keep Their Homes
Posted on October 25, 2007Millions of consumers are facing foreclosure due to risky adjustable-rate mortgages. Countrywide, one of the nation's largest mortgage lenders, has gotten a ton of bad press lately for its high-profile role in the crisis. Yesterday Chris Arnold reported in a story on National Public Radio that Countrywide planned to refinance or modify some $16 billion worth of loans for more than 80,000 borrowers who will soon hit an unaffordable rate reset, or those who have already fallen behind after their payments rose...
How to Order Free Credit Reports
Posted on October 24, 2007The Fair Credit Reporting Act requires the nationwide credit bureaus to provide everyone copies of their credit reports at no charge once a year. One way to order your free credit reports is to go online to www.annualcreditreport.com. But another and perhaps easier way to order the reports is to call 1 877 322 8228 and use an automated procedure set up for this purpose...
When Can a Creditor Pull a Consumer's Credit Report? The Ninth Circuit Ignites a Controversy
Posted on October 22, 2007Last month the Ninth Circuit Court of Appeals decided an important consumer protection issue concerning when creditors trying to collect consumer debts can permissibly pull consumers' credit reports. The Court held that creditors can only pull credit reports if the debt involves a "credit transaction," in which the consumer directly participated and voluntarily sought credit...
Judge Says Experian Is Liable For Mis-Reporting Information in a Court File
Posted on September 26, 2007Deceptive "Free" Credit Reports to Avoid
Posted on September 04, 2007Consumers Union has released a report on the "free" credit reports available on the Internet that are not really free. The study looked at 24 sites were consumers are enticed to obtain free credit reports but only if they agree to pay for their credit scores and other services at the same time...
California's Proposed Student Civil Rights Act Gives Broad Definition to "Religion"
On Tuesday, the California Senate Judiciary Committee approved by ...
California mother held in custody breach case
I am posting this to draw attention to what should be simply routi...
California Governor Schwarzenegger Vetoes Gay Marriage Bill
Governor Arnold Schwarzenegger vetoed a gay marriage bill Friday, ...
Northern California Farmers Worry Fruit Will Rot On Trees
Yet another story about the plight of fruit and vegetable farmers ...
California divorce is often a time-consuming process
California divorce is often a time-consuming process By Ron Sokol,...
Truth In Lending Act
Consumer Loans and Consumer Credit Protection Act
California Supreme Court Proposition 8 Decision
Court Rejects Challenges to Proposition 8, but Finds Marriages Valid
Bankruptcy Law
A complete prime (pre-2005)
Selection of State Supreme Court Judges
How State Court Judges are Selected
Collection Agencies and Creditors
How to deal and stop the harassment
Dumb California Laws
Stupid Laws in the Sunshine State
My fiance's check is DD into a local credit union. Bank seems to have a pattern of "invisibly holding" charges from the debit card until just HOURS before his DD is processed (and this is after hours, of course). Over th
Have your fiance take the information you've collected and go into the bank...
What can i do about continued charges on closed account?
IMMEDIATELY call your bank and report the charges as fraudulent. They will be ab...
My father died and left my mother $200,000 (life insurance) My Mother died 2 years later leaving my sister and I with both about $75,000 each. (including house/vehicles/belongings which I never got). We were supposed to
File a police report. Two police reports, one for you and one for your sister. G...
Must I refinance my house aftering taking full ownership after a divorce via a quit claim?
When financing there are at least two documents...the mortgage and the note. The...
Should I return a phone call from a collection agency that doesn't name their client in the message?
In the county of the state where I live in the US, I am able to go to the websit...
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AG Holder lackadaisical on Operation in our Sites domain name seizures & RIAA lobbied free speech suppression @dajaz1
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On 05-15 at 21:52PM
My fiance's check is DD into a local credit union. Bank seems to have a pattern of "invisibly holding" charges from the debit card until just HOURS before his DD is processed (and this is after hours, of course). Over th
Have your fiance take the information you've collected and go into the bank...
What can i do about continued charges on closed account?
IMMEDIATELY call your bank and report the charges as fraudulent. They will be ab...
My father died and left my mother $200,000 (life insurance) My Mother died 2 years later leaving my sister and I with both about $75,000 each. (including house/vehicles/belongings which I never got). We were supposed to
File a police report. Two police reports, one for you and one for your sister. G...
Must I refinance my house aftering taking full ownership after a divorce via a quit claim?
When financing there are at least two documents...the mortgage and the note. The...
Should I return a phone call from a collection agency that doesn't name their client in the message?
In the county of the state where I live in the US, I am able to go to the websit...
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