We help you collection your money. We have been assisting business, professionals, and individuals with their collection needs for over 15 years. We handle matters for individuals, small business and Fortune 500 companies.Why have collectors handling your files when you can have an attorney personally handle every aspect of your case. We will use every legal means to get you your money. We have been collecting debt for large and small businesses for over 25 years. Let us use our expertise to your benefit.
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California Judgment Collection Attorneys
We are a Law Firm specializing in Collection and Judgment Enforcement services.
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Who owns the debt can determine if the other side can prove their case at trial. These days, credit card debt are sold fairly quickly after the credit card has charged off the debt. Most sell the debt after the debt has become delinquent after a year.
If that is the case and your debt was sold then you might stand a good chance of winning your case. Its best to get an attorney to review your case to see the viability of prevailing on your case or not. It also will stop those phone calls from the debt collector as well.]]>
If the debtor is a business and is still in business then you have all your normal means of collection at your disposal. If you want to go after the intellectual property themselves and place a lien on them or get a turnover order to seize the assets then it gets a little trickier. The best thing to do is to contact a collection attorney like ourselves to ensure that you do everything correctly.]]>
If awarded, the Court will order the judgment debtor to hand over the personal property to the sheriff so that they can execute on it to enforce your money judgment.]]>
Most likely what happens is that they filed a lawsuit against you, some how got serve against you without you knowing about it, file for a default and submit a 585 declaration to prove their case, and the court entered a judgment against you.
You should go to court and get a copy of the complaint, proof of service, 585 declaration, and the judgment so that you can file a motion to set aside the judgment based lack of notice.
Most court will probably grant your motion because judges want to give you your day in court to defend your case. If the motion is grant, the judgment is erase and you get to defend yourself in court.
The threat of filing a motion to set aside a judgment can also be used as a bargaining chip to settle the case.
Filing the motion is something that you can do or hire an attorney to do.]]>
That could be potential good news for you because if your credit card company sold your debt to someone else, the new owner of your debt will have a tough time to prove their case if you file an Answer to a lawsuit they file. That is right. If they sue you, just file an Answer. If you file an Answer, they will not be able to prove their case at trial unless they can get a witness from the credit card company, which is unlikely because the credit card company has sold your debt. When they sell your debt they will only provide the buyer with a declaration that the buyer can use to prove their case if you don’t file an answer.
If an answer is filed, the buyer has no one who can authenticate the documents that prove your debt. At trial you can ask the court to rule in your favor.
If you are not sure what to do or need an attorney who can walk you through the process, contact our office and ask for Don Sakaida. My phone number is 310-473-9153. I can see if your case qualifies for these situation and we can go from there.]]>
Your lawyer sent you his last bill and you are left with a piece of paper that you have won x amount of money against Y, the your arch nemesis. Your lawyer has bill you for a ton of money for all the work that he has down. AFter the cases is over he is devoid of any real suggestions on how you can collection or enforcement this judgment. In a way he kinda just sneaks away knowing that he has billed you for a ton of money for a piece of paper that is of no real worth unless you can collect on it.
Well if you are in this predicament then you need to find a collection attorney who specializes in judgment enforcement. They are the only real individuals that can help you turn that piece of paper into real cash. Don’t waste your time because a collection will only charge you more and then go to the attorney for help. Go straight to the attorney and you will save more money in the long run and guarantee that you get more money.
These attorney have a full understanding on how to enforce judgments. They can find assets, place liens, levy bank accounts, place keepers, and so much more. Its the only way that you will be able to enforce your money judgment into some call hard cash. It might even help pay off the attorney fees that you sent to win your case in the first place.
If you need our recommends, Google “sakaida & bui” and you will find a judgment enforcement law firm that will serve you in the Southern California. They will even give you a free consultation. Just send them your judgment and what information you have on party that the judgment is against. Good luck.]]>
Here’s a breakdown of the five elements of the FICO score:
1. Payment History: 35 Percent of the Total Credit Score
Based on a borrower’s payment history, making the repayment of past debt the most important factor in calculating credit scores. According to FICO, past long-term behavior is used to forecast future long-term behavior.
2. Debt Amounts — 30 Percent
Based on a borrower’s total outstanding debt. Revolving lines of credit, which allow a consumer to borrow as much or as little as desired up to a limit (versus installment loans where a set amount — say, $20,000 plus interest for a car — is determined at the outset), are more heavily weighted. Credit cards are a type of revolving account.
Since FICO views borrowers who habitually max out credit cards — or who get very close to their credit limits — as people who cannot handle debt responsibly, a borrower should maintain low credit card balances. Experts recommend that the amount owed should not exceed 30 percent of the individual’s credit limits. That 30 percent rule of thumb applies to each individual credit card as well as the overall level of debt.
The final components of a FICO credit score get less weight in the score’s calculation. “The remaining one-third of your score is determined by how long you have managed credit, to what degree you have pursued new credit recently and the variety of credit types you have successfully handled,” Watts says.
3. Length of Credit History — 15 Percent
Based on the length of time each account has been open and the length of time since the account’s most recent action.
4 and 5. New Credit and Credit Mix — Each Comprise 10 Percent
Borrowers, even those new to credit, should avoid opening too many credit lines at the same time, since such behavior could suggest they are in financial trouble and need significant access to lots of credit. FICO suggests that borrowers only take on additional credit when they must have it or when it makes sense financially.
Credit mix, meanwhile, is somewhat of a vague category, but experts say that repaying a variety of debt indicates the borrower can handle all sorts of credit. According to FICO, historical data indicates that borrowers with a good mix of revolving credit and installment loans generally represent less risk for lenders.]]>
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