The New Kids in Town: Mortgage Sub-Servicers—The Who, What, When, Where, and Why Behind this Network
This webinar will examine a case study of New Residential (NRZ) to provide a current example of how the new sub-servicing model in the mortgage market makes things even worse for consumers. New Residential Investment Corp is a leading provider of capital and services to the mortgage and financial services industries. Learn why this system…
The “Passive” Debt Buyer Issue
If you are suing debt buyers under the FDCPA, you need to understand the recent Circuit Court of Appeals decisions on whether these entities are debt collectors. Debt buyers are pushing the “passive” debt buyer argument through our courts to further restrict the FDCPA’s application and chip away at its already limited coverage. This webinar…
Background Screening CRAs: How to Effectively Conduct Discovery and Attack the Reasonableness of the CRAs’ Criminal Record Matching Procedures
While more than 20 million U.S. jobs were wiped out in April 2020 during the COVID-19 lockdown, the unemployment rate has begun to fall in recent months as the economy begins to reopen. This means millions of Americans will be applying for jobs and undergoing employment background checks. Employment and tenant screening CRAs routinely mismatch…
Understanding the Metro 2 Reporting Format
If you are litigating FCRA cases involving the Big Three nationwide CRAs (Equifax/Experian/TransUnion) or furnishers to those CRAs, you need to understand the Metro 2 Reporting format. This is standardized format that furnishers use to report data to the Big Three. This webinar will provide an overview of the format for FCRA practitioners at the…
Protecting Latino Consumers: Information from the FTC
Learn about the latest scams and consumer issues affecting Latino consumers. FTC staff will share strategies to protect Latino consumers, information on scams affecting Spanish-speaking communities, ways to report problems to the FTC, and resources available from the FTC in English and Spanish. What You Will Learn What are the top scams and consumer issues…
Nuts and Bolts of Landlord Tenant Litigation
The COVID-19 pandemic is predicted to dramatically increase the number of tenants being evicted from their homes. Because most states ban arbitration clauses in residential leases and also provide for fee-shifting, this area of consumer law provides a unique opportunity to grow your practice and do a lot of good. This is a beginner-level webinar,…
Modern Marketing for the Consumer Rights Lawyer: Using Podcasts, Videos and More
Finding the right clients is a challenge for all law firms and can be exceedingly difficult for consumer rights lawyers, because potential clients don’t often know they have a case or that fee shifting may allow representation to be obtained at no cost. During the COVID era, this is even more challenging—as we are relying…
Fixing the Attorney Tax Fee Problem: Practical, Litigation, and Legislative Strategies
One of NACA's top priorities continues to be changing the tax law so that consumer law attorneys’ fees are not taxable to your clients. We are always exploring new and practical ways to avoid this problem and continue our efforts to find a permanent solution through litigation and/or legislation. To that end, NACA has recently…
What to Ask When You Don’t Know: 30(b)(6) Depositions of Debt Buyers
The deposition of a debt collector is critical to an FDCPA case. It is difficult, if not impossible, to survive summary judgment without it, as most debt collectors refuse to provide any meaningful discovery otherwise. They also typically hide behind frivolous affirmative defenses and ludicrous denials of obvious truths. At best, they just plead ignorance…
Defending Debtors with NCSLT and SLS Student Loans
Collection of private student loans by third-party entities has swelled in the last five years. This webinar will cover some of the strategies used to defend student loan borrowers in lawsuits brought by one of the National Collegiate Student Loan Trusts (NCSLT) or Student Loan Solutions (SLS). The webinar is geared primarily towards attorneys seeing…
FDCPA & FCRA Claims after Bankruptcy
Consumer bankruptcy filings have seen a precipitous decline due to the COVID-19 crisis with chapter 13 filings down 42 percent year-over year. That is precisely why consumer attorneys need to assure their current clients' receive the "Fresh Start" guaranteed by the bankruptcy code by helping their clients remedy unfair debt collection activity post discharge. This webinar is geared toward beginner…
The Tactical Deployment of Regulation X: Loss Mitigation in Judicial, Quasi-Judicial, and Non-judicial States
The upcoming expiration of the CARES Act moratorium on foreclosure sales and the anticipated volume of delinquent borrowers seeking mortgage assistance will present significant new challenges that consumer foreclosure lawyers must start preparing for now. This is an advanced seminar that presumes attendees have significant litigation experience in wrongful foreclosure and federal regulation under RESPA’s…
ECOA Cases as Companions to FCRA Cases
Fair Credit Reporting Act (FCRA) practitioners are likely familiar with the frustrations of trying to ascertain FCRA damages without solid Adverse Action Notices. Violations of Adverse Action Notice requirements are rampant. This webinar will address how the Equal Credit Opportunity Act (ECOA) can be used to hold creditors accountable for vague, incorrect, or altogether missing…
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