Blogs

Understanding The Fair Credit Reporting Act

The Fair Credit Reporting Act (FCRA) is a federal law that governs how consumer reporting agencies are allowed to manage consumer information. The law helps create accurate and fair credit reports ...
Continue reading "Understanding The Fair Credit Reporting Act" »

What Are The Differences Between The FDCPA And The FCCPA?

If you have problems with old debts or debt collector harassment, you will likely hear a lot of acronyms. Two of the most important for consumers are the Fair Debt Collection Practices Act (FDCPA) and ...
Continue reading "What Are The Differences Between The FDCPA And The FCCPA?" »

Reverse Mortgages Part 2

I’ve spoken about reverse mortgages in the past, but today I want to discuss another issue that has been affecting our clients. In a typical reverse mortgage, one of the requirements on the ...
Continue reading "Reverse Mortgages Part 2" »

JP Morgan Chase Agrees To Settle TCPA Claims After Robocalling Reassigned Phone Numbers

JP Morgan Chase Bank has agreed to pay $3.75 million to settle claims that the banking giant had violated the Telephone Consumer Protection Act (TCPA). The case was filed in the Middle District of ...
Continue reading "JP Morgan Chase Agrees To Settle TCPA Claims After Robocalling Reassigned Phone Numbers" »

If Debt Collectors Have Been Calling You They May OWE YOU MONEY!

One of the nation’s largest debt collectors, Portfolio Recovery Associates has recently settled a class action lawsuit regarding the Telephonic Communication Practices Act or “TCPA”. ...
Continue reading "If Debt Collectors Have Been Calling You They May OWE YOU MONEY!" »

Political Groups Sue U.S. Attorney General For Right To Autodial Voters

Does a political organization have a First Amendment right to auto-dial your cell phone? Political groups across the country have filed a lawsuit against the U.S. Attorney General hoping to change the ...
Continue reading "Political Groups Sue U.S. Attorney General For Right To Autodial Voters" »

The Best Strategies For Improving Your Credit Score

If you have had problems with debt or if you don’t have much credit, chances are good that you are looking to improve your credit score. Improving your score is a slow process, but it is worth ...
Continue reading "The Best Strategies For Improving Your Credit Score" »

Reverse Mortgages Part 1

Inevitably, you’ve seen the commercials on TV – an elderly, approachable spokesperson, often times a celebrity, pitching the merits of a reverse or senior reverse mortgage. Tap into the ...
Continue reading "Reverse Mortgages Part 1" »

CFPB Proposes Rule Requiring Payday Lenders To Assess Borrowers' Creditworthiness

The Consumer Financial Protection Bureau (CFPB), a government agency created after the 2008 financial crisis to protect consumers, recently proposed a new rule that would help protect consumers from ...
Continue reading "CFPB Proposes Rule Requiring Payday Lenders To Assess Borrowers' Creditworthiness" »

What To Do If Your Wages Are Garnished

Having your wages garnished can be a traumatic experience. Many people can’t afford to lose even a fraction of the money they earn, and learning that your paycheck will be short or your bank ...
Continue reading "What To Do If Your Wages Are Garnished" »

First Post-Spokeo Decisions Leads To Dismissal Of TCPA Cases

In May, the U.S. Supreme Court changed the way plaintiffs around the country were allowed to pursue companies that violate certain consumer protection statutes. In the case of Spokeo v. Robins, the ...
Continue reading "First Post-Spokeo Decisions Leads To Dismissal Of TCPA Cases" »

What Will Your Credit Report Look Like After Bankruptcy?

People file bankruptcy for many reasons. Some have debts that spiraled out of control. Others may have had one large debt, like a mortgage or a hospital bill, that they may not have been able to pay. ...
Continue reading "What Will Your Credit Report Look Like After Bankruptcy?" »

Presumption of Standing

We’ve talked about this before – the banks must prove that they are the proper party to be suing a borrower in a foreclosure action. Generally speaking, this is called ...
Continue reading "Presumption of Standing" »

Can Debt Collection Actions Continue After Bankruptcy?

Most people understand that bankruptcy clears out the majority of a person’s debts. With limited exceptions, debts that are discharged in bankruptcy can never be collected again. But what if ...
Continue reading "Can Debt Collection Actions Continue After Bankruptcy?" »

How to Avoid Credit Counseling Scams

The average household has over $15,000 in credit card debt. It’s no surprise than that many people have debt that has become unmanageable, and desperately seek help through credit counseling ...
Continue reading "How to Avoid Credit Counseling Scams" »

11th Circuit Finds Debt Collection Letter Sent to Consumer's Attorney is a Communication Under the FDCPA

Debt collectors are required to follow certain rules created by the Fair Debt Collection Practices Act (FDCPA) when communicating with debtors. The person who owes money must be advised of his or her ...
Continue reading "11th Circuit Finds Debt Collection Letter Sent to Consumer's Attorney is a Communication Under the FDCPA" »

U.S. Supreme Court Decides Consumers Need "Concrete" Injuries To Support a TCPA Lawsuit

In May, the U.S. Supreme Court made a decision which will decrease the number of claims consumers can make under the Fair Credit Reporting Act (FDCPA), the Telephone Consumer Protection Act (TCPA), ...
Continue reading "U.S. Supreme Court Decides Consumers Need "Concrete" Injuries To Support a TCPA Lawsuit" »

Avoiding Online Lending Scams

A large part of our practice is going after debt collectors, credit card companies, banks and mortgage companies when they break the rules. However there are times where we also help clients who are ...
Continue reading "Avoiding Online Lending Scams" »

Ocwen Barred from Pursuing Foreclosures After Failing to Comply With Servicing Rules

At one point in time, Ocwen was the nation’s largest non-bank loan servicer. The company, whose headquarters is in West Palm Beach, held a portfolio of over $500 billion in mortgage loans in ...
Continue reading "Ocwen Barred from Pursuing Foreclosures After Failing to Comply With Servicing Rules" »

Jury Awards $83 Million for Malicious Prosecution of Wrong Person's Debt

How much could you recover if a debt collector pursues you for someone else’s debt? For one woman in Missouri, the answer is $83 million. Several years ago, Portfolio Recovery Associates, one of ...
Continue reading "Jury Awards $83 Million for Malicious Prosecution of Wrong Person's Debt" »

What Happens to Student Loans if the Borrower Dies?

Benjamin Franklin once said, “In this world nothing can be said to be certain, except death and taxes.” Had he gone to school in modern-day America, he might have added student loan ...
Continue reading "What Happens to Student Loans if the Borrower Dies?" »

Can You Be Sued For More Money After Your Car is Repossessed?

Dealing with a repossessed vehicle can be embarrassing. Many people are reluctant to acknowledge that they are facing financial problems which led to the repossession, and as a result, fail to read ...
Continue reading "Can You Be Sued For More Money After Your Car is Repossessed?" »

End to Mandatory Arbitration?

The Consumer Protection Financial Bureau has been on a roll in the last year trying to pass new rules to protect consumers. A rule they proposed recently, if passed, would stop credit card companies, ...
Continue reading "End to Mandatory Arbitration?" »

How to Vacate A Default Judgment Over A Debt

The vast majority of people who are sued by a debt buyer or debt collector never respond to the lawsuit in court. In fact, studies show that up to 90% of consumers facing a debt collection lawsuit ...
Continue reading "How to Vacate A Default Judgment Over A Debt" »

Portfolio Recovery Associates Settles Class Action Lawsuits Over TCPA Claims

After recently settingly claims for FDCPA violations, Portfolio Recovery Associates (PRA) just agreed to settle several other class action lawsuits based on the TCPA. The Telephone Consumer Protection ...
Continue reading "Portfolio Recovery Associates Settles Class Action Lawsuits Over TCPA Claims" »
  • ABC News
  • American Civil Liberties Union
  • CBS 4
  • CNN
  • Daily Business Review
  • Florida Trend's - Florida Legal Elite 2014
  • Florida Trend's - Florida Legal Elite 2014
  • National Association of Consumer Advocates
  • National Association of Consumer Bankruptcy Attorneys
  • NBC News
  • National Consumer Law Center
  • The New York Times
  • Avvo
  • Avvo
  • Avvo
<div class="video-wrap"> <object type="application/x-shockwave-flash" data="/Shared/videovault/lt/player.swf" width="100%" height="100%" bgcolor="#000000" id="FlashSWF045327554480172694" name="FlashSWF045327554480172694" tabindex="0"><param name="allowfullscreen" value="true"><param name="allowscriptaccess" value="always"><param name="seamlesstabbing" value="true"><param name="wmode" value="opaque"><param name="flashvars" value="netstreambasepath=http%3A%2F%2Ffight13com.scorpionlocal.com%2FAdmin%2FLayout%2FTemplate.aspx%3FT%3D45313%26preview%3Dfalse%26edit%3Dfalse%26editlayout%3Dfalse%26pageid%3D5538965&id=FlashSWF045327554480172694&file=%2Fmedia%2FBeing_harrassed_by_debt_collectors.mp4&image=/media/vpics/Loan-Lawyers-TV-Commercial-Stop-the-foreclosure_20140918044522.png&skin=glow&levels=%5B%5BJSON%5D%5D%5B%7B%22bitrate%22%3A185%2C%22file%22%3A%22%2Fmedia%2F150%2FBeing_harrassed_by_debt_collectors.mp4%22%2C%22width%22%3A0%7D%2C%7B%22bitrate%22%3A236%2C%22file%22%3A%22%2Fmedia%2F400%2FBeing_harrassed_by_debt_collectors.mp4%22%2C%22width%22%3A0%7D%2C%7B%22bitrate%22%3A349%2C%22file%22%3A%22%2Fmedia%2FLoan-Lawyers-TV-Commercial-Stop-the-foreclosure.mp4%22%2C%22width%22%3A0%7D%5D&controlbar.position=over"></object> <a href="/Video-Center.aspx" class="videoBtn">More Videos</a> </div>