California Demand for Payment of an Open Account by Creditor
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How to fill out Demand For Payment Of An Open Account By Creditor?
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FAQ
If the judgment debtor has a bank account, you may be able to take money from the account, using a process called a ?bank levy.? An account held jointly by the judgment debtor and his or her spouse or another person, or held solely by the judgment debtor's spouse, may also be levied.
The minimum repayment on a credit card must be set at an amount that at least repays the interest, fees and charges applied to your account, plus 1% of the outstanding balance. These rules don't mean credit card providers have to force you to repay more by automatically increasing your monthly credit card repayments.
Debt collectors cannot harass or abuse you. They cannot swear, threaten to illegally harm you or your property, threaten you with illegal actions, or falsely threaten you with actions they do not intend to take. They also cannot make repeated calls over a short period to annoy or harass you.
If you are struggling with debt and debt collectors, Farmer & Morris Law, PLLC can help. As soon as you use the 11-word phrase ?please cease and desist all calls and contact with me immediately? to stop the harassment, call us for a free consultation about what you can do to resolve your debt problems for good.
The statute of limitations on debt in California is four years, as stated in the state's Code of Civil Procedure § 337, with the clock starting to tick as soon as you miss a payment.
If a creditor refuses my offer It is a good idea to start making the reduced payments you have offered on a regular basis and point out that you are doing this as a 'gesture of goodwill'. It is also worth telling them if any of your other creditors have accepted your offers.
A creditor is a someone to whom you owe a debt. If someone owes you money, you are a creditor of that person. If you can't pay a debt when it's due, the creditor may try to collect the debt by sending you a demand for payment, or the creditor may assign the debt to a debt collection agency.
