Credit Reporting Agencies (CRAs) and furnishers rely on three main defenses in FCRA cases: accuracy, damages, and willfulness. Accuracy is the most dangerous defense. When CRAs or furnishers take the position that the reporting was accurate, there can be serious and costly consequences for a consumer’s claim and hopes of settlement.
Strategy: Structuring and Plotting the Case
Many legal service consumer law attorneys experience heavy caseloads and want to take on federal student loan work but do not feel they have the capacity. However, building a small student loan practice is possible. Given the right tools and approach, legal aid attorneys can achieve a more diverse and satisfying caseload.
The guidelines that courts use to calculate the actual damages, punitive damages, and attorneys’ fees allowed for bankruptcy stay and discharge violations are constantly evolving. The webinar will highlight new trends in the law and share the newest court decisions and verdicts regarding damage awards. The webinar will also address whether the automatic stay ends on the date of discharge or continues thereafter for actions that relate back to events during the bankruptcy.
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.
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 noble efforts to stop forced arbitration have yet to succeed. More and more banks and companies are using arbitration. Rather than give up on your case, learn how to succeed in consumer arbitration. Learn how you can arbitrate FDCPA, TCPA, FCRA, and ID theft cases.
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.