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Who would have ever thought that the COVID-19 pandemic would drag on for more than a full calendar year? Along those same lines, who would have ever thought that the United States government would make a regular habit of cutting checks directly to residents in an effort to encourage spending to stimulate the economy? Whether [...]

In what is supposed to be an increase in protections offered to consumers, an updated version of the Fair Debt Collection Practices Act (FDCPA) was passed in the fall of 2020 that brings that iconic piece of legislation up to date with modern forms of communication. However, as you will see shortly, there are quite [...]

The topic of student loan debt, and more specifically the idea of erasing it, became a hot-button issue in the final months and weeks heading into the 2020 election, and while we are likely to see a more progressive position from the new administration in Washington, there is a mountain of trouble brewing for students [...]

The Covid-19 Pandemic has been wreaking havoc on businesses across the country for almost a full year now, and while there may finally be some light at the end of the tunnel, a return to anything resembling life in 2019 is a long shot at best for most small businesses. On the bright side, if [...]

There is no shortage of ways in which the COVID-19 pandemic has changed the way business is done around the world in 2020, and that is definitely true for anyone operating in the collections industry. Like most businesses around the globe, collections agents have had to change the way they go about their jobs, and [...]

As if 2020 didn’t bring enough drama to the state of California, one of the new trends that emerged at the end of the year was a sudden departure of a number of major businesses looking for greener pastures in other states. During the last quarter of 2020, we learned that Hewlett Packard and Oracle [...]

Working out a deal to settle a delinquent debt for a percentage of the balanced owed is one of the most commonly recommended tactics for anyone starting out on the road to getting out of debt and improving their personal financial situation. However, there are often costs associated with these deals that many consumers simply [...]

After a record amount of debate on just about every aspect of the issue, California voters passed Prop 22 with approximately 60% majority this past November. And with the votes officially counted, it is time to pivot the conversation to what new policies gig economy workers and consumers can expect moving forward. Prop 22 is [...]

As we head into the final two months of 2020, the Covid-19 pandemic has already killed more than 200,000 Americans and forced hundreds of thousands more out of work. Here in California, we have felt the weight of both numbers throughout the entire year. However, there is a slight cause for optimism here following the [...]

In late September of 2020, Governor Gavin Newsom signed two new pieces of legislation into law that could have a lasting impact on the way that commercial debt collection agencies are able to operate here in the state of California. After spending years discussing the possibility, the state will now begin issuing licenses for any [...]