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Nearly 30 Years Of Representing Businesses And Their Owners

Bakersfield Collection And Creditor Rights Attorneys

For over 30 years, Coleman & Horowitt, LLP, has been a trusted name in collection and creditor rights law. Our attorneys serve a diverse range of business clients, from agriculture to banking, construction to environmental, and real estate. We operate on a philosophy of providing maximum service to our clients, reinforced by our commitment to total communication. This approach ensures that we address your collection and creditor rights issues effectively and efficiently.

The firm has developed an enviable reputation in the representation of creditors in state and bankruptcy courts in the following areas:

  • Loan workouts
  • Assignment for the benefit of creditors
  • Receiverships
  • Creditor representation in bankruptcy
  • Representation of creditor committees
  • Representation of trustees and receivers
  • Commercial and consumer collections (secured and unsecured)
  • Consumer and retail collections
  • Commercial collections – secured and unsecured
  • Defense of consumer claims (FDCPA, Rees-Levering, etc.)
  • Defense of consumer class actions

What You Need To Know: Collection And Creditor Rights FAQ

Understanding your rights as a creditor is crucial in today’s complex financial landscape. To help you navigate these waters, we’ve addressed some common questions below.

When can a debtor’s wages be garnished?

In California, wage garnishment can occur after a creditor obtains a court judgment. Generally, up to 25% of disposable earnings can be garnished. However, there are exceptions and protections for low-income earners. It’s important to consult with an attorney to understand the specific rules that may apply to your situation.

What is the statute of limitations on collecting a debt in California?

In California, creditors typically have a four-year window to pursue collection on written contracts, starting from the date of default or the most recent payment. However, this time frame can vary depending on the specific type of debt and the circumstances involved. For oral contracts, it’s two years. However, certain types of debt may have different time limits. An experienced lawyer can help you determine the applicable statute of limitations for your specific case.

What is a demand letter?

A demand letter is a formal notice sent to a debtor requesting payment of a debt. It typically outlines the amount owed, the reason for the debt and the consequences of nonpayment. While not always legally required, a well-crafted demand letter can be an effective first step in the debt collection process and may help avoid costly litigation.

These answers provide general information, but each case is unique. For personalized advice tailored to your specific circumstances, we encourage you to reach out to our team.

Protect Your Cash Flow With The Help Of A Collection Attorney

Our lawyers respect your creditors’ rights and will stand up for them in any forum, such as via negotiations, in mediation or at trial. Call 559-248-4820 or send us an email inquiry to schedule an appointment with a member of our team.

Practice Area Attorneys

Gregory J. Norys – Managing Partner

Robert K. Ashley – Partner

Darryl J. Horowitt – Founder

Sheryl D. Noel – Partner