Long BeachCalifornia(CA) Radcliffe, Richard J. personal infomation and areas of practice

California Long BeachVelasco Law Group attorney Radcliffe, Richard J. is a Very good lawyer practice area in Estate Planning Probate & Estate Administration Trusts Wills ,Estate Planning, Probate & Estate Administration, Trusts, Wills,Velasco Law Group

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lawyer Radcliffe, Richard J. Reviews

estate planning

inheritance question! big money involved?

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They will never send you a petition if you are proactive. The law only protects you if you defend yourself.. . For the first 6 months after I had to default on my credit cards due to unemployment, the primary lenders called every few days although legally they can call me daily. I give them my name, address, phone # & told them I was unemployed, then hang up. I didn't elaborate or tell my life story, I was talking to a CSR & they don't get paid enough to care, plus they take notes. This process was boring, name, address, phone number, I'm unemployed, then hang up. I was polite & shared nothing.. After 6 months, they will charged off my accounts & sold my information to a third party collection agency. This meant that the primary lender had settled my account for 3 to 7 cents on the dollar. For example, I owed $22,000, the third party collection agency will pay $1500 for my information.. The third party collection agencies called me on Monday mostly. I gave them my name, address, phone # & ask if they had sent me their standard letter. I refused to give them my SSN, I didn't know who they were. According to the FDCPA, they have 5 days to mail me their standard letter from the time they call. I got it on Friday. Often times, they didn't call me, I got the letter first, but they can call me daily until I send them the validation letter in response. Then the calls stop. . Once I got their standard letter, I sent them a validation letter asking them to validate the debt. See video below, link for sample validation letter included. They must provide a copy of the original credit card form I filled out & signed when opening the account. They haven?t been able to. Copies of my previous credit card statements & print screens don?t count for anything. I sent the validation letter by Signed Return Receipt once they get it, they will almost immediately sell my information to another third party collection agency & the process repeats. I sent out 2-3 validation letters a month for 7-8 months until they ran out of third party collection agencies to sell my info to. It's been quiet. There is a Statute of Limitations which is different for each state which you can google to find out.. I don?t worry about getting a petition, the laws still favor the debtor, not the lender. . By sending the validation letter every time, I?ll probably never see a petition.

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