Debt Collection, Garnishment, Repossession

Most Frequently Viewed Resources

If you cannot afford the filing fee or other court costs, you may qualify to have these fees and costs waived by the court.

Ask questions and get answers, in real time, right here on the Internet, from live law librarians throughout California.

This section will give you general guidelines for how to best prepare yourself for court.

Whatever the reason, you have the right to represent yourself, to be your own lawyer in all cases in California.

The Constitution; Executive and Administrative Laws; County, Appellate, Supreme Court, and Federal Districts; State Legislation; and Legal Guides.

The legal way to give formal notice is to have the other side "served" with a copy of the paperwork that you have filed with the court.

Deciding whether to respond to the lawsuit; responding to the lawsuit; filing your papers in court; after you file your response; counter-suing the plaintiff; and steps in the court process.

You can also call at 877-FTC-HELP.

Most reputable credit counselors are non-profit and offer services at local offices, online, or on the phone.

Facing debt collection action? This system will creates several letters and basic court filings.

How to avoid a debt collection lawsuit and what the legal process is.

What happens in the vehicle repossession process.

Learn about civil cases that involve financial issues, including contract disputes, property damage, injury, unpaid debt, and bankruptcy.

The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.

This site will hand-pick videos based on your issue.

Protections on the dollar amount of payday loans, fees, and important information.

Alphabetical Listing of Resources

Asset Management, Bank Accounts, Consumer Loans, Credit Scores, Credit Cards, Insurance, Mortgages, and Regulations.

Need help with your credit? Take a look at a list of credit counseling agencies in California.

Need help with managing your debt? Take a look at a list of debtor education agencies in California.

Information about family law for domestic partners.

Your rights dealing with repossession agencies and their practices.

State offices, district attorneys (DA), and government regulators.

If you or someone you know is in financial hot water, consider these options: self-help using realistic budgeting and other techniques; debt relief services, like credit counseling or debt settlement from a reputable organization; debt consolidation; or bankruptcy.

If a debt collector contacts you, you have rights!

How debt collection works, regulations, common concerns addressed by the Fair Debt Collection Practices Act (FDCPA), and debts you do not recognize or remember.

It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act (FCBA).

For tickets on federal property such as federal buildings, national parks, military installations, post offices, Veteran Affairs medical centers, national wildlife refuges, and national forests.

You have rights when it comes to practices of creditors and agents.

What do I have to do to get the judge to keep creditors from obtaining the exempt funds in my bank account?

Keeping records, complaining to someone higher up, consulting a lawyer, using mediation services, and other ways to resolve conflicts.

Wages garnished only if you are earning more than the local minimum wage.

Who is responsible? What are collectors allowed to do?

Options for resolving debts, before or after court involvement.

Search for state and federal laws protecting consumers.

If you have old debts, collectors may not be able to sue you to collect on them.

If your car is repossessed, act quickly to get it back.

Wage garnishment occurs when an employer withholds the earnings of an individual for the payment of a debt as the result of a court order or other equitable procedure.

This is a general guide and not intended as legal advice.