We’re investigating this company for potential violations of the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), among other things, and I ran across their Better Business Bureau reviews. I’ve never seen so many 1 star reviews! They’ve been in business for 48 years, are a major…
What are the most common errors on a credit report that lead to FCRA claims — and resulting damages? Status Disputes – error/inaccuracy standards which give rise to valid disputes: these are things that are factually inaccurate such as: reporting a settled account as past due/open; reporting a discharged account…
Along with the PPP (Payroll Protection Program) another fed run program rolled out this week called Main Street to provide low-cost loans to firms with fewer than 15,000 workers. The Main Street launch has received a luke warm welcome from community banks due to the paperwork required per an American…
In our consumer practice, I was surprised to see that denials of life insurance or annuities are often a violation of the Fair Credit Reporting Act (“FCRA”). The medical screening reports are often ad hoc and inaccurate. If you have applied for life insurance and been denied, don’t give up. …
Some creditors and loan servicers are jumping the gun in pursuing foreclosures, HOA liens, COA liens. The federal government is also taking the position that it’s okay to pursue cases already in litigation. We had to file a motion to abate arguing that the moratorium preventing involuntary collection activity includes…
Nope. At least not at first blush, but keep reading. Not surprisingly, a loan provided to refinance student loans does not change the character of the loan. The Court in Juber v. Conklin (In re Conklin), No. 19-91 (W.D. N.C. Apr. 6, 2020) concluded that “[s]o long as the loan…
PROBATE COULD BE HELPFUL! Most discussions about estate planning involve probate avoidance. Most folks are familiar with the myth that “avoidance of probate” should be the number one estate planning goal. But is it so terrible that your assets have to go through probate? These are the reasons why…
Given the current global health crisis, many small businesses will now be needing the assistance of a Ch. 11 bankruptcy in order to stay in business. Small businesses often struggle to reorganize effectively under Chapter 11 of the Bankruptcy Code. To address this issue, Congress passed the Small Business…
A review from another satisfied customer! Private student loans begone! I didn’t think it would be possible 5.0 stars Posted by LauraMay 29, 2020 I am so thankful that Christie and her team were able to resolve an issue with a private student loan. Many years ago I took a loan…
When you have an apartment or employment denial, you can call the numbers listed below for the screening company and request a copy of the background report: Accurate Background, Inc. – Irvin, CA 800-216-8024 First Advantage Corp. – Atlanta, GA 800-845-6004 General Info Service, Inc. – Chapin, SC 866-265-4917 ADP…