The California Debt Collection Licensing Act (“DCLA” SB 908) takes effect on January 1, 2022. Here, Ed Cross, 'The Restoration Lawyer,' explains what this means for restoration contractors.

You may remember last year’s Florida House Bill 909, which would have taken away the homeowner’s ability to assign rights and benefits under their insurance contract.

To prevail in a civil case, a plaintiff must generally prove three things: liability, causation and damages.