Debt Collectors! How Far is Too far?

Have you ever received a phone call from a debt collector?  If so you will know that they are pushy and sometimes just plain mean.    I have read horror stories about debt collectors harassing, yelling, cursing, and threatening patrons because they were late on their bills.

Yes, I understand that these patrons took out money, spent on a credit card, however in most cases the people had full intentions on paying the bill back. Sometimes, life just happens. Events happen that doesn't allow for the cable to be paid on time.  There is definitely no need for harassment over an unpaid bill.

This Article, encompasses everything that I was saying.  Debt Collectors are going crazy with the ways they are trying to get you to pay.

If you or someone you know is having financial difficulties let us help.  The Arroyo Law Firm is here to help ease your financial mind.


With one easy phone call we can sit down and work out a plan towards your financial freedom.

Regulation of Marketing of Financial products?

As a bankruptcy attorney, I have seen many clients in financial distress.  The economic downturn has hurt their piggy banks.   In 2007 or prior a lot of consumers were purchasing houses at an unbelievable  rate.  The real estate market was at an all time high, while more and more consumers were qualifying for home loans.

I think the government is taking a step in the right direction by creating the  Consumer Financial Protection Bureau (CFPB).  This Bureau was created to "Educate, Enforce and Study". The first task of the CFPB is discussed in this article.  They want to regulate how "non-banks" advertise.

While I believe it is important for "non-banks" to be regualted, I also feel BANKS need to be regulated as well. As I know from first hand experience that the traditional bank was giving out financial freedom to consumers who in a normal economy would not have qualified.

If you are one of those consumers, who is in need of a little help,  Please feel free to give the Arroyo Law Firm a call.  We offer free consultation, and can let you know your rights.

Money for the Pooch?

I find it interesting that you cannot leave your entire fortune to your animal.  This Article is an intersting take on whether your dog or any loved animal should get your money when you die. Not that I have any beloved animal that I am worried about, but I do have an awesome family that I want protected.

This gets me thinking about my family and what would happen if I die, and as an attorney I know I should have something in writing, as I want to make sure my kids are well protected in the event of my husband and my death.

So the question remains do you have your estate in order in case of the unthinkable?   Any estate planning attorney can help you set up a simple will that states what happens to your things (assets) if you were to pass on.

Many people say I don't need a will I do not have any money, but its not the money you need to worry about its the children, and the pets.