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    I liked your fast, friendly service. You were all knowledgeable in the area of bankruptcy. Your treatment of me as a client was spectacular! You were great at promptly responding to my questions and concerns. I loved that you provided courteous and quick responses to all my questions.
    --Donna
  • Highly Recommended!

    I have worked with Seth and he is the utmost professional in how he works with his clients. If you need an attorney you can trust I would highly recommend the Law Office of Seth Hanson.
    --David
  • Very Professional.

    Everyone was very professional and efficient. Seth, and everyone that I had contact with were very knowledgeable. I was very pleased with how we were treated by his staff. My questions were always answered promptly. I was very pleased with the service I received and would not hesitate to refer someone to your firm.
    --Anonymous
  • Non-judgmental.

    You were very open and answered all of my questions. You never made me feel like I was asking a dumb question. I was comfortable with your knowledge of the law. It was hard for me to make this decision to move forward in my life. Everyone was friendly to me and respectful. Non-judgmental. Every question I asked was answered promptly and appropriately. I would recommend you.
    --Anonymous
  • More Than Expected!

    I found the firm's representation to be more than what I expected. I was always kept in the loop, all my questions were answered (whether or not I asked more than once the same question), and I felt completely supported by the firm staff when going through this (at times) scary ordeal. Thank you again.
    --Joanna
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    I liked that you had very friendly, caring staff. You were all very knowledgeable. Your treatment towards me was excellent and you quickly responded to all my concerns. If a friend asked of your overall impression, I would say that we were very impressed and we would recommend you to them.
    --Danielle

California Supreme Court Ruling – Personal Loans And Unconscionable Interest Rates

On August 13th, 2018 in the case of De La Torre et al. v. Cashcall, Inc., the California Supreme Court ruled that some interest rates may be so high, they are illegal, despite there being no clearly defined cap. A group of borrowers, who took out loans from Cash Call in amounts greater than $2,500.00, were all given interest rates greater than 90% and some as high as 135%. Currently, the cap on interest rates for loans under $2,500.00 is defined between 20 and 30%. However, the court did not clearly define what cap would become unconscionable, and stated that doing so would be a daunting task.

Associate Justice Mariano Floertino-Cuellar stated “courts have a responsibility to guard against consumer loan provisions with unduly oppressive terms.” He also stated that a lack of a cap does not mean that the courts are required to allow any interest rate.

According to a representative at Cash Call they have ended their practice of consumer-lending, in the form of personal loans in July of 2018, and have removed their personal loan application from their website.

High interest personal loans and pay-day advance loans can easily create a trap for overwhelming debt. If you have questions about how to break the cycle, please reach out to your Modesto Bankruptcy Attorney.

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