Fair Debt Collection Practices Act (FDCPA) claims are often suitable for treatment as class actions. Rand Bragg, an FDCPA litigator in numerous federal appellate and trial courts, will discuss the unique issues and defenses regarding FDCPA class litigation.
Spotting and Investigating the Legal Issue
Fair Credit Reporting Act (FCRA) violations often arise in all phases of bankruptcy litigation. John Cento, an experienced FCRA litigator, and John Steinkamp, an experienced bankruptcy attorney, will provide a dialogue on a hands-on, practical approach to finding potential claims related to bankruptcy under the FCRA.
The Real Estate Settlement Procedures Act (RESPA), as implemented through Regulation X, applies to all federally related mortgage loans with few exceptions. RESPA requires specific disclosures and procedures in connection with the application, settlement, and servicing of one to four dwelling secured consumer loans. In this webinar, Max Gardner will review how to effectively use Reg X in dealing with all issues related to the “servicing” of such loans, including what you must know BEFORE you file any mortgage servicing case or consumer bankruptcy case.
In order to follow the booking in and subsequent application of each mortgage payment in your client’s case, you must know and understand how to read the Transaction Codes and the Reports these systems can produce. If you cannot follow the money, you simply cannot identify the claims. This webinar is geared to attorneys of all levels who handle mortgage servicing cases.
National Collegiate Student Loan Trust (NCSLT) cases continue despite the Consumer Financial Protection Bureau (CFPB) getting involved by issuing a consent order barring NCSLT and their collection company, Transworld Systems Inc, from suing on unverified debts. Defending consumers in these cases can be both frustrating and rewarding. Often, consumers are sued for tens of thousands of dollars, and successful defense can truly change a consumer’s life, while losses can be difficult.
Join us to hear about some of the scams and consumer issues that the Federal Trade Commission (FTC) has been seeing with student loan debt relief. FTC staff will discuss several recent cases brought against student loan debt relief operations that the FTC alleged violated the law with their deceptive practices.
Consumer lawyers routinely review loans, including auto loans, payday loans, tax loans, and pawn loans. All of this paper is an opportunity: experience teaches that many loans violate the Truth in Lending Act (TILA). TILA claims can take many forms and serve many purposes, from creating powerful counterclaims in individual debt collection cases, to forming the basis for class actions. This webinar will provide hands-on tools for identifying and litigating TILA closed-end credit cases.
Compliance with many consumer rights protected by federal law can be a condition of receiving federal funding. When funding recipients systematically violate such conditions and take federal funds anyway, not only do they hurt consumers, but sometimes they also defraud the government.
Nearly fifty percent of Americans have been victims of credit card fraud in the past five years. The fallout from fraudulent charges can extend beyond the simple hassle of being placed on a “brief hold” when calling the card issuer into taking the time, creditworthiness, and sanity away from even the most sophisticated consumer. Fortunately, we have the tools to combat this, including the Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA), and Electronic Funds Transfer Act (EFTA).