Testimonials
Answers To Common
Questions:
COMMON QUESTIONS
Can a creditor foreclose on my home to force me to pay its bill?
How does the law protect someone like me?
STOP HARRASSING PHONE CALLS
What time of day can a creditor call me?
Can a creditor call my spouse at work even if my spouse doesn’t owe the debt?
Can a creditor call friends or family members to discuss my debt?
If I work at night, is a creditor allowed to call me during the day when I sleep?
If my credit agreement says that a creditor can call me at anytime, are they allowed to do so?
Creditors won’t stop calling me: What can I do?
KNOW YOUR LEGAL RIGHTS
If a creditor refuses to stop harassing me, what should I do?
I was sued on a very old debt, but never answered the lawsuit? Is it too late to change the outcome?
I was never properly served with the lawsuit: Can I have the default judgment set aside?
Can I be sued on a debt that was written off, but later bought by another debt collector?
I was sued by my credit card company and lost. They charged huge amounts of fees and costs that seemed inappropriate. What can I do??
I was sued on a very old debt, but never answered the lawsuit? Is it too late to change the outcome?
What will it cost to hire a lawyer?

Testimonials

“Fast response and fast action. Gave me peace and hope in my time of crisis.”
- Barbara, Yuba City, CA


"My family and I were being harassed to no end by a family member’s creditor. I contacted Attorney Fagan after reviewing his profile. His response to my inquiry was incredibly timely. Once the case was filed he provided regular updates. I always knew the status of the case. The process was straightforward with no upfront fees to the attorney. His name is Craig but when it came to the case he was frank in all aspects! The season has settled. The reason has passed. For life I will remember the wonderful service provided by Attorney Craig Fagan (Good, Honorable, respectable.) Thank you!" - Eilene Elizabeth, Rialto, CA

"A credit collections company began calling me at work claiming that I owed them a debt. Even though I explained to them that they I didn’t owe the debt and asked that they stop contacting me, they continued to harass me. I became fearful about losing my job so I hired Craig P. Fagan to represent me. Mr. Fagan took case and immediately made the collections company stop harassing me. He was very professional, personable and thorough. He made me feel protected, both legally and financially. The case had a great outcome and I will continue to request that Mr. Fagan represent me in any other endeavours. He is one of the “good guys” and has restored my faith in the legal profession. Thank you, Craig!" - Laurie, Sacramento, CA

Craig was nothing but professional! His honest, no nonsense approach was sooo refreshing. You know how it is when you finally find an honest auto mechanic? One that doesn't try to bleed you for every dollar possible can by selling you parts and labor that you don't really need? If Craig was an mechanic, I would bring my car to him all the time. He has my trust. - Scott, Burbank, California

Mr. Fagan was very effective in negotiating down my credit card debt. He saved me nearly 3/4 of my credit card debt. I was very pleased with how he handled my situation. He negotiated a workable settlement. His efforts helped me to continue on with my life. - Roberta, Palm Springs, California

Due to “life” circumstances that were beyond my control, I got behind on my credit card payments. Most of my creditors understood that I was having problems because I’d always made my payments on time and offered me hardship payment arrangements. However, there was this one creditor’s representative who harassed me from the very first call. The harassment was so bad that I never got a chance to explain [during the first or subsequent calls] exactly what had caused me to get behind on my payments. I felt so bad after the first call that I was too afraid and embarrassed to even try to explain. And I didn’t think he would believe anything I had to say. He really put my character down. The harassment was so bad that at one point I was convinced that I owed much more that I actually did. And as it turned out I owed less than $780. The creditor called me over 200 times within a few months. The creditor representative consistently called my place of employment after I informed him I could not take calls from him on the job.

After, one of these harassing phone calls I contacted Craig Fagan to ask if there was anything I could do to stop this creditor from calling me on the job. I informed Craig of all that had occurred. Craig informed me of my rights and from that point on he handled everything. Craig led me through the entire process, he told me exactly what to expect. I was just so relieved to have someone on my side that knew what my rights were and was so proficient in the area of debt harassment.

At first I was a little hesitant about bringing a lawsuit against a creditor. I didn’t know if I could sue for harassment, since I had not made the payments as I should have. However, Craig helped me to understand that the creditor did not have a right to harass me simply because I was behind on my payments.

I’m so glad that I went through with this lawsuit and that Craig was my lawyer. Craig turned my sour lemons into a sweet, sweet pitcher of lemonade! -Toni, Los Angeles, CA

In early 2009, I ran into difficult financial times. I was still employed, but behind on my mortgage. With that, I started to fall short on my credit card payments. Thereafter, creditors started calling. Some were understanding and eased calling after I explained my situation. However, one creditor refused my request and decided to call over five times a day for the next half year! The calls went from the normal, to vulgar with threatening responses. Threats were made to me and to those who answered the phone. I became overwhelmed by these incessant calls and my stress reached its peak. I decided to seek a consultation with Craig Fagan, which was one of the best decisions I have ever made. I called many other attorneys, but was not satisfied. I stumbled upon Craig Fagan's website and thought I’d give him a try. Let me just say that the reception Craig gave me automatically made my decision. I explained my scenario to Craig. Thereafter, Craig was in the driver’s seat. Believe me, I was as nervous as a kid on the first day of school. But, with Craig's experience and professionalism, I felt very at ease, as he guided me through the whole process. I can say that the smile on my face is a whole lot bigger now. Thanks a million for your expertise, Mr. Fagan. - Mr. Chao, Sacramento, California

I wanted to take a moment and thank you for your help. Not only was I in deep debt, but I was also being harassed by the credit card company. I must admit my finding you was somewhat random. I was on the internet looking for help when I came across your website. Thank God I did. Your immediate response was a great relief. Your subsequent follow up and negotiation with those who filled a lawsuit against me was a great stress reliever. You saved me thousands of dollars in your negotiated settlement, approximately 65%. Your fee was very reasonable especially when compared to the typical "Debt Relief" company who want 30-35% of the original debt as their fee. I would unconditionally recommend your services to anyone who needs help with their debt problems. Thank you and may God bless your continued work and success. - Tom, San Diego, California

Craig is honest and will go above the call of duty. He is one of the few great lawyers out there. He looks to help not just to make a quick buck off your pain.- James, Citrus Heights ,CA

 


(619) 528-9600

FREE TELEPHONE CONSULTATIONS

STOPPING CREDITOR HARASSMENT
Protecting You from Debt Collectors

Questions? Contact Us

 

All initial telephone consultations or email inquiries are answered free-of-charge. If you have a question, you can email us by clicking on the “contact us” link, above, or you can call us at (619) 528-9600. Ask to speak with Craig Fagan. Email inquiries will be met with a prompt response. Again, there is no charge for the initial inquiry.

6320 Raydel Court, San Diego, CA  92120.  
Telephone (619) 528-9600
Fax (619) 528-9675

CONFIDENTIALITY NOTICE:  This communication and any accompanying document(s) are confidential and privileged.  They are intended for the sole use of the addressee.  If you receive this transmission in error, you are advised that any disclosure, copying, distribution, or the taking of any action in reliance upon the communication is strictly prohibited.  Moreover, any such inadvertent disclosure shall not compromise or waive the attorney-client privilege as to this communication or otherwise.  If you have received this communication in error, please contact us directly by telephone at (619) 528-9600.  Thank you.
 
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