Most people don't realize they can defend lawsuits regarding their credit card and payday loan debt. I also sue debt collectors when they are abusive and break the law.

I'm California Attorney Eric Ridley. I defend them, I negotiate with the creditors, and I also help good people file for bankruptcy protection.

There's a LOT of bad information on the Internet about debt, credit, bankruptcy, and financial management. I deal with this stuff every day.

PS - Paypal and their collection agency just settled with me personally for continuing to try to collect a debt from me that wasn't mine. Here's the story. I can't tell you what the settlement amount was, but can say I feel vindicated.

My Proof: My main website | My smiling face, holding my Bar Card

Edit: 4:41 pm PST. I'm still here and answering. You all are asking great questions. Keep 'em coming.

Edit: 6:20 pm PST. I'm going to go out for a while, but will answer all questions when I get back later tonight. I'm thrilled at the excellent questions here.

Edit: 9:20 pm PST. Still going strong. I will answer everything. Promise.

Edit: 11:11 pm PST. You guys are amazing. I will answer everyone's questions, and anyone who wants to still add questions. No one is too late. But I'm going to bed now. THANK YOU. Your questions are insightful, challenging, and thought-provoking. I am sincerely enjoying this. Keep 'em coming.

Edit: 9:30 AM PST. I'm back and catching up. This has been gratifying and overwhelming. I'll be catching up all day, while trying to practice law at the same time.

Some of the resources I keep including, for your reference:

National Association of Consumer Advocates

Free Annual Credit Report

Damon Day

Joshua Cohen the Student Loan Guy