http://www.californiacreditlaw.com/ en-us 2008-04-26T15:46:30-08:00 http://www.californiacreditlaw.com/2008/04/credit_bureaus_sell_consumers.html Consumers might assume that Experian, Trans Union and Equifax restrict the the information they collect to creditors to whom consumers have applied for credit. On the contrary, the credit bureaus sell personal and financial information to various companies. The credit... Consumer Credit 101 lemonlaws-2 2008-04-26T15:46:30-08:00 http://www.californiacreditlaw.com/2008/04/more_chatter_about_the_san_fra_1.html The San Francisco City Attorney apparently has some enthusiastic cheerleaders for its recent suit against the National Arbitration Forum (NAF), which we discussed here. Credit Slips is a terrific credit and bankruptcy blog which contributors are mostly law professors with... lemonlaws-4 2008-04-10T14:58:26-08:00 http://www.californiacreditlaw.com/2008/04/national_arbitration_forum_sue.html Our consumer law firm has learned that if a potential client's dispute is covered by an arbitration clause, we generally won't take the case. There are several reasons. First, the company on the other side uses the arbitrator frequently. Since... lemonlaws-4 2008-04-10T10:44:18-08:00 http://www.californiacreditlaw.com/2008/01/new_credit_score_formula_for_2.html Credit scores are determined using formulas designed to predict how likely a consumer will pay his or her bills. Fair Isaac is the leader having created the FICO credit-scoring formula. Fair Isaac has announced its formula will be revised this... Credit Scores lemonlaws-2 2008-01-21T16:27:12-08:00 http://www.californiacreditlaw.com/2007/11/identity_theft_mostly_caused_b.html Identify theft affected somewhere between 8 and 15 million Americans in 2005, according to Tom Abate's article in today's San Francisco Chronicle. One report just issued by the Federal Trade Commission estimated that identity theft struck about 4% of... Identity Theft lemonlaws-4 2007-11-28T11:43:30-08:00 http://www.californiacreditlaw.com/2007/11/how_to_handle_student_loan_deb_1.html Students graduating from college have a few months to savor their accomplishment before worrying about repaying their student loans. But what happens when they have problems making their payments? A new website, Student Loan Borrower Assistance, includes information on... Consumer Debt lemonlaws-4 2007-11-28T11:00:55-08:00 http://www.californiacreditlaw.com/2007/11/mortgage_holders_cant_foreclos.html Consumers who are sued by debt collectors can defend in court by demanding that the debt collector prove it is entitled to collect the debt. Particularly when the debt collector is not the original creditor, the debt collector is... Consumer Debt lemonlaws-4 2007-11-16T13:07:14-08:00 http://www.californiacreditlaw.com/2007/11/consumers_are_targets_of_skyro_1.html Consumers 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... Consumer Debt lemonlaws-4 2007-11-13T16:17:43-08:00 http://www.californiacreditlaw.com/2007/11/lenders_charge_homeowners_ques_1.html Loan 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... Consumer Debt lemonlaws-4 2007-11-06T11:22:28-08:00 http://www.californiacreditlaw.com/2007/11/debt_buyers_continue_to_relent.html This 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... Consumer Debt lemonlaws-4 2007-11-05T13:35:33-08:00