Legal Question in Credit and Debt Law in California

A collector is not compelled to sympathize and could more readily collect forcefully than through settlement: e.g. through wage garnishment, placing liens on real property, and attaching bank accounts. California is a community property state: assets and liabilities acquired during marriage could be imputed to either spouse depending on the circumstances. Based upon further review of your financial facts, a federal bankruptcy filing may economically eliminate this debt as well as other liabilities and perhaps assist in keeping the home. If you have other unpaid debts, lawsuits may begin to follow in seemingly endless succession.

This answer (as well as our Web site) doesn�t address all facts & implications of the question; it�s general info, not legal advice to be relied upon; it creates no attorney-client relationship; it may be pertinent to CA only; it�s independent of other answers. Hire legal counsel before acting or refraining from bankruptcy/legal action. www.BankonitSD.com

Asaph is correct debt collectors do not have to be nice. In fact Nelson and Kenard take obnoxius to a whole new level. If Bankruptcy is not an option for you, after you consult with a bankruptcy attorney, you may want to consult with someone who specializes in FDCPA type cases - you are in Moreno Valley - perhaps Robert Stempler can assist you in dealing with Neslon and Kenard. Often times when you show up at trial with an attorney the settlement demand drops as the debt collectors do not want to waste time in trial. My office has a flat fee program for many debtors and others might as well.

In any event good luck.

Steve