Lisa J. Espada is a civil litigation attorney devoted to helping Northern California consumers and small business owners solve their debt problems. This website provides information about debt collection defense, consumer rights law, bankruptcy and student loan issues. Most lawsuits for collection of consumer debts result in default judgments, because the defendant does not understand the process.
I represent consumers whose rights have been violated by debt collectors, debt buyers, banks, credit unions and other creditors. I represent clients throughout the San Francisco Bay Area* who want to discharge or manage their debts through chapter 7 or chapter 13 bankruptcy. Most questions about student loans can be can be answered by referring to information published by the federal government or.
The Law Office of Lisa J. Espada is a debt relief agency, helping consumers file for bankruptcy relief under the United States Bankruptcy Code. This firm provides counseling and services to clients in the following California counties: Sonoma, Marin, Contra Costa, Alameda, San Francisco and San Mateo.
I represent consumers whose rights have been violated by debt collectors, debt buyers, banks, credit unions and other creditors. I represent clients throughout the San Francisco Bay Area* who want to discharge or manage their debts through chapter 7 or chapter 13 bankruptcy. Most questions about student loans can be can be answered by referring to information published by the federal government or.
The Law Office of Lisa J. Espada is a debt relief agency, helping consumers file for bankruptcy relief under the United States Bankruptcy Code. This firm provides counseling and services to clients in the following California counties: Sonoma, Marin, Contra Costa, Alameda, San Francisco and San Mateo.
Services
As a child, I watched Perry Mason reruns on television, which left me with the impression that lawyers help people get out of trouble.
As a teenager, I first saw the film To Kill a Mockingbird.
The central character in the story, Atticus Finch, is a symbol of honor and integrity in the practice of law.
He represented clients because they needed him, because he could help them (sometimes), and because it was the right thing to do.
That ideal became a motivating force in my desire to become an attorney.
As a teenager, I first saw the film To Kill a Mockingbird.
The central character in the story, Atticus Finch, is a symbol of honor and integrity in the practice of law.
He represented clients because they needed him, because he could help them (sometimes), and because it was the right thing to do.
That ideal became a motivating force in my desire to become an attorney.
Lisa is the best in my opinion at what she does.
She made my whole experience so much better.
I made some silly mistakes with my credit and had a debt collection company start to harass me with bills, etc. and they eventually served me with papers for court.
Lisa did a consultation over the phone with me to discuss my options and to go over my situation to see if she could even help me.
She was never judgmental about my situation.
Lisa explained things in a way that made sense and put my mind at ease.
She made my whole experience so much better.
I made some silly mistakes with my credit and had a debt collection company start to harass me with bills, etc. and they eventually served me with papers for court.
Lisa did a consultation over the phone with me to discuss my options and to go over my situation to see if she could even help me.
She was never judgmental about my situation.
Lisa explained things in a way that made sense and put my mind at ease.
If you have been sued by a creditor or debt buyer, you need professional guidance and representation.
Most lawsuits for collection of consumer debts result in default judgments, because the defendant does not understand the process, and simply assumes there are no defenses to the claim, and no options.
As the plaintiff in the lawsuit, the creditor or debt buyer has the burden of proof to establish the right to collect the debt as well as the amount owed.
The plaintiff has to produce admissible evidence that all its allegations are true.
Most lawsuits for collection of consumer debts result in default judgments, because the defendant does not understand the process, and simply assumes there are no defenses to the claim, and no options.
As the plaintiff in the lawsuit, the creditor or debt buyer has the burden of proof to establish the right to collect the debt as well as the amount owed.
The plaintiff has to produce admissible evidence that all its allegations are true.
The term "judgment proof" is sometimes used to describe a debtor that has no assets, or who only has income or property that is completely exempt under California's exemption statutes.
You own a house, but owe more on the mortgage than the house is currently worth, or you have equity in the house that is less than the amount that is exempt under CCP Section 704.730 (currently $75,000 for single person, $100,000 for married couple or family, $175,000 if you or your spouse is age 65 or older).
The above is for sake of example only.
You own a house, but owe more on the mortgage than the house is currently worth, or you have equity in the house that is less than the amount that is exempt under CCP Section 704.730 (currently $75,000 for single person, $100,000 for married couple or family, $175,000 if you or your spouse is age 65 or older).
The above is for sake of example only.
I represent consumers whose rights have been violated by debt collectors, debt buyers, banks, credit unions and other creditors.
If the violation of a statute can be established, attorney's fees are payable by the offender, and the claim can be handled at no cost to the client.
The FDCPA regulates "debt collectors, " which includes debt buyers and loan servicers who become involved in collection efforts after the consumer defaults.
In California, the corresponding state law (the Rosenthal Act) also regulates the behavior of original creditors.
If the violation of a statute can be established, attorney's fees are payable by the offender, and the claim can be handled at no cost to the client.
The FDCPA regulates "debt collectors, " which includes debt buyers and loan servicers who become involved in collection efforts after the consumer defaults.
In California, the corresponding state law (the Rosenthal Act) also regulates the behavior of original creditors.
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