Where we can help
You were sued
Work out the 30-day deadline, read the Complaint and decide how to respond.
A collector is calling
Ask for proof of the debt in writing and know which collection tactics cross the line.
You want to settle
Compare a one-time payoff with a payment plan and get the terms in writing.
The process
- Share what you have. A Summons, a letter or your credit report is enough to start.
- Get a clear picture. Who owns the debt, what deadline applies and what is at stake.
- Choose the next step. Respond, dispute or negotiate. Legal work goes to an independent partner law firm.
Guides
Charge-Off Explained: Why the Debt Is Still Owed and What Comes Next
A charge-off is the lender writing an account off its books, not forgiving it. What it means for collection, debt sales, lawsuits and your California credit report.
Default Judgment in California: How It Happens and Whether It Can Be Undone
How a default judgment is entered when no response is filed, what a California creditor can do with it, the time limits to ask the court to set it aside, and settling after judgment.
Reading Your Credit Report During a Collection or Lawsuit: What to Check
Which credit report lines to check when collectors call or a lawsuit is filed: dates, owners, balances and duplicates, and which errors are worth disputing.
Questions
Who do you work with?
Mostly Chinese-speaking residents of California and their families. We also work in English.
Are you a law firm?
No. Southern California Debt Solutions coordinates the case and explains the process. Legal services come from independent partner law firms.
I was just served. What is my deadline?
Usually 30 days after service is complete in California. Missing it can lead to a default judgment.
Can you promise a result?
No. Every result depends on the documents, the facts and the other side.