September 18, 2013 - 3:01pm | Filed under: Credit Reporting

Who can forget the discolored and damaged looking teeth of Austin Powers (played by Mike Myers) in the series of comedic movies: “International Man of Mystery,” “The Spy Who Shagged Me,” and “Goldmember”?  It was part of the self-deprecating humor that...

September 10, 2013 - 3:37pm | Filed under: Automobiles | Tagged with: Small Dollar Loans

Each year, over one million motor vehicles are repossessed from consumers who became delinquent in their payments to a lender who holds a purchase money security interest in the motor vehicle.

Section 9-503 of the Uniform Commercial Code authorizes secured lenders to seize possession of...

August 16, 2013 - 3:31pm | Filed under: Bankruptcy | Tagged with: Credit Reporting, Debt Collection

One of my favorite questions I like to ask lawyers is “Why do people file for Bankruptcy?”

The most common answer I get is because they owe money, or they have a lot of debt.

But that is wrong. The truth of the matter is very different.

One time, when I was about 17...

August 8, 2013 - 2:26pm | Filed under: Forced Arbitration

The CFPB is examining consumer awareness of mandatory pre-dispute arbitration (“forced”) clauses. In June, they published a request for information...

August 1, 2013 - 3:04pm | Filed under: Small Dollar Loans

Beginning next month, the city of Chicago will become the first municipality in the nation to offer a prepaid debit card account as part of its regional transit pass. The Chicago Transit Authority (“CTA”) entered into a contract with Cubic Transportation Systems, Inc., to offer...

July 23, 2013 - 6:45pm | Filed under: Debt Collection

I predict that 2013 will be viewed by consumer advocates as a game-change year for consumers with large, unpaid personal debts and facing oppressive debt collection lawsuits and calls from debt collectors.  That’s because on July 10, 2013, the Consumer Finance Protection Bureau (...

July 18, 2013 - 6:51pm | Filed under: Class Actions

The Chamber of Commerce, certain members of the U.S. Supreme Court and other ersatz "tort reformers" love to bash class actions and the lawyers who file them. But what do class action consumers say when they recover from one of the very few class cases to actually go to trial? Judging...

July 11, 2013 - 5:34pm | Filed under: Credit Reporting

Consumers across the country have fallen prey to credit repair who prepare and file lawsuits against debt collectors for allegedly accessing the consumer’s credit reports without a permissible purpose allowed by federal law.

In order to prevent being taken in by this scam,

July 9, 2013 - 5:17pm | Filed under: Other Areas of Interest

In Gideon v. Wainwright, 372 U.S. 335 (1963), the Supreme Court held that criminal defendants have a right to counsel under the Sixth and Fourteenth Amendments. No such right exists for low income persons in civil proceedings (with few exceptions), therefore the goal of Civil Gideon must be met by state and federal funding of counsel for low income individuals.

June 25, 2013 - 8:20pm | Filed under: Automobiles

It is very possible that the used car dealer lied to you about your vehicle's history.