Last year, as the COVID-19 health and economic crisis fell upon us, millions of tenants found themselves in danger of losing their homes. In 2020, the Centers for Disease Control and Prevention (CDC) issued a temporary order to shield struggling tenants from eviction. As a follow up, the Consumer Financial Protection Bureau recently issued an interim final rule, effective May 3, 2021, that provides certain debt collection rights for tenants protected under the CDC order.
Spotting and Investigating the Legal Issue
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Why You Should Attend
NACA’s second online Spring Training combines a subject matter-focused conference with the resource opportunities of a large conference. Due to circumstances with COVID-19, we are holding this conference online again this year. This event is a member-only opportunity.
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 Adverse Action Notices.
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 Regulation X loss-mitigation and servicing rules. Attendees should also be familiar with the CARES Act and their state’s foreclosure laws.
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 and intermediate practitioners who already have a functional understanding of the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Report
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 their first NCSLT and SLS cases.
As the economic fallout of COVID-19 continues, more and more people will seek out forbearances for their home, auto, and student loans. The options available are dependent on the type of government-backed loans held by the borrowers. Max Gardner and Jay Patterson will explore the end of forbearance options for Fannie Mae and Freddie Mac loans as well as FHA/VA insured loans.
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, so no prior knowledge is needed.