|Case Name:||Client v. Midland Credit Management, Inc.|
|Court Location:||Central District of California|
- Jared Hartman, Esq.
- Posted on March 28, 2017
The National Association of Consumer Advocates (NACA) has released a series of educational videos to help give basic information to individuals who are faced with debt collection efforts and debt collection lawsuits. The information in these videos is very beneficial, and is information that we are happy to discuss further with respect to any particular situation that you or a loved one may be facing.
Keep in mind that these videos were produced with a nation-wide audience in mind, and there may be laws in your particular state that must be analyzed to determine whether the debt collector has (or has not) violated your rights under your state laws.
We regularly handle debt collection defense cases, and we have strategies in our tool chest that may help you or your loved ones when faced with debt collection lawsuits.
Please watch these videos below, and feel free to call us for a free and confidential consultation to discuss your rights.
The first video is entitled: “Dealing with Debt Collectors”. Are you being illegally harassed? If you are having problems with debt collectors, watch this video to learn about your rights under the Fair Debt Collection Practices Act and state laws.
The second video is called: “I received notice of a lawsuit, what should I do”. If a debt collector files a lawsuit against you to collect a debt, discover what to do next.
The third video is called: “Defending yourself in a lawsuit”. If you want to learn how to represent yourself, hear about common defenses against debt collectors, and gain knowledge of possible outcomes to your trial, then watch this video. NOTE: Our firm does not recommend representing yourself, as you will be facing an attorney with specialized education and training on how to argue their case against you. While it is your right to decide to represent yourself, we advise that you should have legal counsel on your side in order to not run into a legal minefield full of issues and problems that you may not anticipate.
The fourth video is called: “Was I served legal papers properly?” Learn about one of your key defenses. Determine if you were served papers properly.
The Fifth video is entitled: “I have a judgment against me.” If you lost your debt defense case (or did not know it even occurred) and your wages or bank account is being garnished, learn what you can do.
Each of these videos can be viewed on the NACA website, which also includes very helpful information regarding your rights under the Fair Debt Collection Practices Act and basic information on steps you should take to protect yourself. You can find this webpage at the link below:
PLEASE NOTE: Nothing in the above is to be taken as legal advice and is only intended to serve as solicitation for a more in depth consultation. Proper legal advice can only be given after a full consultation to discuss all details of your particular circumstances in a confidential setting.
- Jared Hartman, Esq.
- Posted on November 8, 2016
Getting hurt on the job can be a very traumatic event. Your life can be changed for the worse—not only are you physically hurt, but you risk not being able to perform your job duties any longer and you possibly risk losing your job completely. Depending on the injury, you may not be able to work in your industry at all any more. The lack of ability to provide for yourself and your family leads to emotional issues such as depression, anxiety, and feelings of self-doubt and loss of self-worth. The loss of income possibly results in losing your home to foreclosure due to an inability to pay your mortgage, which could also in turn result in strife within the marriage. All of your dreams and plans for the future are crushed.
Now add to all of these problems the fact that the medical provider has been relentlessly attempting to collect money from you for the medical services that were provided as a direct result of the workplace injury, even though you are struggling financially due to your loss of normal stream of income. Your worker’s compensation attorney sends the medical provider a letter informing them that their exclusive remedy is to file a claim for services with the worker’s compensation board and participate in that process. Your attorney also informs the medical provider that they are not to attempt to contact you directly anymore, because California Labor Code 3751(b) specifically prohibits them from collecting the bill for services from you directly.
Their responses to your attorney’s letter, however, is to retain an outside collection agency who then proceeds to continue collection efforts from you personally. They call you repeatedly at all hours of the day; they send you letters with ominous threatening language. They claim the debt is increasing because of interest and costs and fees, and they threaten that the debt is going to be a negative mark on your consumer credit report. All of this adds to your stress, anxiety, and depression because you thought you were protected and you thought they were going to faithfully comply with your attorney’s instructions to file a claim with the worker’s compensation board.
You lose sleep; you lose faith in the worker’s compensation process; you lose faith and trust in your attorney; you worry about how these bills are going to get paid; you worry about how you will be able to move forward with negative items on your credit report that you are not supposed to be responsible for….
Thankfully, you can go after these unscrupulous companies who are so quick to degrade you and ignore your rights!!
California Labor Code Sections 4600, 5300, 5304, and 5955 provide the basis that the worker’s compensation board has exclusive jurisdiction to handle payment of medical debts that are the subject of a workers’ compensation claim. In order for the medical provider and/or debt collector to seek reimbursement for their medical services, they must submit a claim to the workers’ compensation board so that the board can determine the appropriate amount of pay for the employer and/or employer’s insurance company to provide to the medical providers. If the medical provider and/or debt collector is not satisfied with the board’s ruling, then their sole remedy is to file a petition for reconsideration pursuant to California Labor Code § 5900 and then appellate review pursuant to California Labor Code § 5950.
However, California Labor Code § 3751(b) provides that medical providers shall not collect money directly from the employee for services to cure or relieve the effect of the injury for which a claim form, pursuant to Cal. Lab. Code § 5401, was filed, unless the medical provider has received written notice that liability for the injury has been rejected by the employer and the medical provider has provided a copy of this notice to the patient. Any medical provider who violates Cal. Lab. Code § 3751(b) shall be liable for three times the amount unlawfully collected, plus reasonable attorney’s fees and costs.
Semnar & Hartman, LLP regularly ties such unlawful debt collection tactics into a claim for either or both of the Federal or Rosenthal Fair Debt Collection Practices Acts, since those laws prohibit any attempt to collect an unauthorized amount in connection with consumer debts. Click HERE to review a complaint recently filed against Scripps Memorial Hospital and Progressive Management Systems for contacting the employee directly several times in complete disregard of a letter sent by the employee’s worker’s compensation attorney.
If you or a loved one are proceeding through a workers’ compensation board claim, but are still receiving debt collection bills and/or phone calls, please do not hesitate to contact us as soon as possible for a free, confidential consultation about your rights.
- Jared Hartman, Esq.
- Posted on November 1, 2016
Our law firm is investigating suspected internal policies of telephone harassment by City Title Loan, LLC and are looking for anyone who has received collection calls or letters by them for free and confidential consultations.
A lawsuit filed earlier this year alleges that City Title Loan employees used automatic dialing equipment to place a large volume of calls (in excess of 90 calls) to one of their customers over a period of just a few weeks in violation of the Telephone Consumer Protection Act (TCPA). Even though the customer repeatedly asked that the calls cease and asked for routine billing statements as proof of exactly what is owed (which are disclosures that federal law makes mandatory), the business not only refused to comply but also belittled him when threatening that the calls would continue.
The company also proceeded to call the customer’s elderly mother who is living with Parkinson’s disease and uttered threats of collection against her (even though she was only listed as a reference and not a co-obligor), and also threatened to the mother that they were looking to arrest the customer if he did not make a payment (which is false because failing to make a payment is only a breach of contract and is not subject to criminal charges). A copy of the complaint can be read by clicking HERE
Please rest assured, you do have rights! If you are facing collection efforts by City Title Loan (or any other title loan lender, payday lender, bank, creditor, or debt collector), please do not hesitate to contact us a free and confidential consultation to discuss whether your rights have been violated.