Debt Collection, Garnishment, Repossession
Most Frequently Viewed Resources
Read about where to file your lawsuit or case. Information on jurisdiction and venue.
If you cannot afford the filing fee or other court costs, you may qualify to have these fees and costs waived by the 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.
This section will give you general guidelines for how to best prepare yourself for 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.
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.
Search for state and federal laws protecting consumers.
You have rights when it comes to practices of creditors and agents.
What happens in the vehicle repossession process.
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.
This site will hand-pick videos based on your issue.
Options for resolving debts, before or after court involvement.
Learn about civil cases that involve financial issues, including contract disputes, property damage, injury, unpaid debt, and bankruptcy.
Who is responsible? What are collectors allowed to do?
How debt collection works, regulations, common concerns addressed by the Fair Debt Collection Practices Act (FDCPA), and debts you do not recognize or remember.
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.
Protections on the dollar amount of payday loans, fees, and important information.
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.
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.
Alphabetical Listing of Resources
Most reputable credit counselors are non-profit and offer services at local offices, online, or on the phone.
Coerced debt is economic abuse affecting both married and unmarried couples, which involves all nonconsensual, credit-related transactions that occur in a violent relationship. This resource explains what coerced debt is, and what to do about it.
For more general information on repairing credit after an incident of financial abuse, please see:
Facing debt collection action? This system will creates several letters and basic court filings.
Your rights dealing with repossession agencies and their practices.
State offices, district attorneys (DA), and government regulators.
You can also call at 877-FTC-HELP.
If a debt collector contacts you, you have rights!
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
How to avoid a debt collection lawsuit and what the legal process is.
It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act (FCBA).
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.
You can request a free interpreter to be with you in court.
A court interpreter verbally translates (called “interpreting”) everything the judge and others say from spoken English into your primary language, and everything you say back into spoken English.
This resource has the answers to commonly asked questions about court interpreters, including how to ask for one.
Wages garnished only if you are earning more than the local minimum wage.
Your home; adjusters and contractors; when picking a contractor; when you get your settlement; creditors, bills and budgeting; and watch out for fraud.
Up to 99% of domestic violence victims experience economic abuse during an abusive relationship, and finances are often cited as the biggest barrier to leaving an abusive relationship. This resource describes what economic abuse is and what to do about it.
This is a general guide and not intended as legal advice.