NEW LAWYER TRAINING MARCH 2016 CRIMINAL LAW. a. Speaker Katherine L. Wolfe, Esq. i. B.A. Criminology, 2007 Ohio State University
|
|
- Dora Owens
- 5 years ago
- Views:
Transcription
1 1. INTRODUCTION NEW LAWYER TRAINING MARCH 2016 CRIMINAL LAW a. Speaker Katherine L. Wolfe, Esq. i. B.A. Criminology, 2007 Ohio State University ii. J.D., 2010 Capital University Law School iii. Luftman, Heck & Associates, LLP iv. Wolfe Law Group, LLC 2017 Present b. Topic Consumer Law i. Ohio Consumer Sales Practices Act 1. Unfair/Deceptive Practices & Unconscionable acts 2. Public Inspection File 3. Damages ii. Debt Collection 1. Defending and Resolving Debt Based Lawsuits 2. Fair Debt Collection Practices Act iii. Consumer Reports and the Fair Credit Reporting Act 1. Inaccurate Reporting a. Disputing Inaccurate Information b. Credit Reporting Agency and Furnisher Duties c. Damages (Miller v. Equifax) 2. Impermissible Access a. Permissible Purpose b. Damages
2 c. Resources i. Public Inspection File ii. National Consumer Law Center 2. Ohio Consumer Sales Practices Act a. Relevant Statute i. R.C b. Definitions i. Consumer Transaction ii. Person iii. Supplier iv. Consumer c. Unfair/Deceptive Practices & Unconscionable Acts i. Misrepresentations ii. Supplier Knowledge d. Public Inspection File i. e. Damages/Remedies i. Rescission ii. Declaratory Judgment and Injunctive Relief iii. Damages 1. Actual economic damages/statutory damages 2. Non-economic Damages a. $5,000 cap
3 3. Treble Damages (does not apply in class action) a. If deemed violation per the PIF 4. Attorney Fees iv. Supplier s Right to Cure 1. Supplier must deliver within 30 days of service via certified mail and file with court. 2. Consumer has 30 days to accept or reject and provide notice to court. 3. The Cure Offer a. Clearly explain resolution offered: i. Suppliers remedy that consists solely of monetary compensation ii. Reasonable attorney s fees not to exceed $2,500 iii. Court costs incurred by consumer iv. The notice language contained in statute 3. DEBT COLLECTION b. The Risk of Rejection a. Defending and Resolving Debt Based Lawsuits i. Responding to the Complaint 1. Response within 28 days of service 2. Civ. R. 10(D)(1) a. Account or Written Instrument i. When complaint or defense founded on account or other written instrument, a copy of the account or written instrument must be attached to the pleading.
4 ii. If not attached, must provide reason for omission in pleading b. Motion for More Definite Statement i. If account is not attached, file pursuant to Civ. R. 12(E). 1. If a pleading to which a responsive pleading is permitted is so vague or ambiguous that a party cannot reasonably be required to frame a responsive pleading, he may move for a definite statement before interposing his responsive pleading. ii. Capital One Bank v. Toney, 7th Dist. No. 06 JE 28, 2007-Ohio Settlement/Negotiation a. Lump Sum Settlement/Reduced Balance b. Monthly Payment Plans c. Agreed Judgments d. Dual Entries b. Fair Debt Collection Practices Act-15 U.S.C i. Identify the Creditor 1. Must be a third-party creditor a. Debt buyer b. Collection agency
5 c. Collection attorney i. Special counsel exempt 2. Some states have laws just supplement FDCPA, but not Ohio ii. Communication 1. Prohibited Communication with the Consumer a. at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8:00 a.m. and 9:00 p.m., local time at the consumer s location b. directly with consumer if debt collector knows consumer is represented by counsel. c. At consumer s place of employment if debt collector knows or has reason to know that consumer s employer prohibits consumer from receiving such communication. 2. Communication with Third Party i. Generally prohibited, with exception of spouse ii. May speak with third party to confirm that they are contacting correct location iii. May not disclose that consumer has debt
6 3. Ceasing Communication a. Consumer can request in writing that debt collector cease communication. b. Exception to request to cease communication i. To advise that further collection efforts will be terminated ii. To inform consumer that the collector may invoke specified remedy iii. Additional Violations 1. Harassment/Abuse a. Threat of violence or other criminal means to harm person, reputation or property b. Use of obscene or profane language c. Excessive calling d. Publication of debt 2. False/Misleading Representations a. Misrepresenting character, amount or legal status of debt b. Misrepresentation that collector is an attorney c. Representation that failure to pay will result in arrest or imprisonment, garnishment, attachment, sale of property or wages (unless action is lawful and collector intends to take such action)
7 d. Failure to disclose mini Miranda e. 3. Unfair Practices a. Collection of any amount outside what is authorized by agreement or by law b. Depositing or threatening to deposit postdated check prior to date on the check iv. Validation 1. Consumer may request in writing within 30 days of initial communication, and places debt collector on notice that debt is disputed. 2. Debt collector duties a. Cease collection until verification is mailed to consumer b. Debt collector may file lawsuit. v. Damages 1. Actual damages 2. Additional damages up to $1, Costs and attorney fees 4. CONSUMER REPORTS AND FAIR CREDIT REPORTING ACT (15 U.S.C. 1681) a. Inaccurate Reporting i. Disputing Inaccurate Information 1. Consumer Access a. Following Credit Check
8 b Dispute Process a. Online Dispute i. ii. iii. b. Written Dispute i. Send certified mail ii. Attached relevant part of report and highlight incorrect information 3. Cause of Action a. If disputed more than once and creditor verifies, private cause of action arises. ii. Credit Reporting Agency and Furnisher Duties 1. Credit Reporting Agency a. Must notify furnisher within 5 days of receiving notice of dispute. Process to be completes within 30 days b. If determined information is inaccurate or unverified, the consumer reporting agency must promptly delete or modify as appropriate. c. Consumer reporting agency has duty to ensure consumer s identifying information is correct. 2. Furnisher Responsibilities Upon Dispute
9 a. Must conduct reasonable investigation b. Review all relevant information provided by consumer c. Report results to the consumer reporting agency d. Correct any incorrect information. iii. Damages 1. Statutory Damages between $100 and $1, Actual Damages 3. Attorney Fees and Costs 4. Punitive Damages iv. Miller v. Equifax Information Services, LLC 1. Case No. 3:11-cv-01231, U.S. District Court for the District of Oregon 2. Judy Miller denied credit due to false derogatory collection accounts. Report had incorrect identifying information, include social security number and birthdate. 3. Equifax failed to provide requested report multiple times. 4. Miller disputed the information eight times, with Equifax failing to correct information each time. 5. Equifax found to be in violation of FCRA. 6. Judgment of $180,000 compensatory damages and $18.4 million awarded in punitive damages (largest ever in individual consumer s case). 7. Punitive damage award was later reduced to $1.62 million.
10
RULES OF THE TENNESSEE COLLECTION SERVICES BOARD CHAPTER STANDARDS OF PRACTICE TABLE OF CONTENTS
RULES OF THE TENNESSEE COLLECTION SERVICES BOARD CHAPTER 0320-05 STANDARDS OF PRACTICE TABLE OF CONTENTS 0320-05-.01 Definitions 0320-05-.02 Acquisition of Location Information 0320-05-.03 Communication
More informationConsumer Protection: The Fair Debt Collection Practices Act. By Hillary R. Ross, Esq. The FDCPA Overview
Consumer Protection: The Fair Debt Collection Practices Act By Hillary R. Ross, Esq. The FDCPA Overview 15 U.S.C. 1692 et seq. Prohibits false, deceptive, misleading, harassing, abusive and offensive conduct
More informationCFPB Consumer Laws and Regulations
Fair Debt Collection Practices Act 1 The Fair Debt Collection Practices Act ()(15 U.S.C. 1692 et seq.), which became effective March 20, 1978, was designed to eliminate abusive, deceptive, and unfair debt
More informationThe Fair Debt Collection Practices Act, 15 U.S.C. 1692, et seq. Richard J. Perr, Esquire
I. Overview II. III. The Fair Debt Collection Practices Act, 15 U.S.C. 1692, et seq. Richard J. Perr, Esquire a. Private civil cause of action b. Regulates debt collectors conduct c. Protects consumers
More informationDebt Collection & the Fair Debt Collection Practice Act (FDCPA)
Debt Collection & the Fair Debt Collection Practice Act (FDCPA) Please note that this Information Paper only provides basic information and is not intended to serve as a substitute for personal consultations
More informationThis article shall be known and may be cited as the Colorado Fair Debt Collection Practices Act.
12-14-101. Short title This article shall be known and may be cited as the Colorado Fair Debt Collection Practices Act. Repealed and reenacted by Laws 1985, H.B.1191, 1, eff. July 1, 1985. 12-14-102. Scope
More informationTexas State Statutes Regulating Debt Collection / Debt Collectors FINANCE CODE: CHAPTER 392. DEBT COLLECTION
Texas State Statutes Regulating Debt Collection / Debt Collectors FINANCE CODE: CHAPTER 392. DEBT COLLECTION SUBCHAPTER A. GENERAL PROVISIONS 392.001. DEFINITIONS. In this chapter: (1) "Consumer" means
More informationThe Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act The Fair Debt Collection Practices Act... i The Fair Debt Collection Practices Act... 1 Definitions used throughout this document... 1 For purposes of the Fair Debt
More informationThe CFPB, UDAAP s and the FDCPA. Presented by Scott Holmquist President, Second Alliance, Inc.
The CFPB, UDAAP s and the FDCPA Presented by Scott Holmquist President, Second Alliance, Inc. CFPB, 1 st Parties and UDAAP s The CFPB is addressing first-party debt collection practices through its authority
More informationTitle 32: PROFESSIONS AND OCCUPATIONS
Maine Revised Statutes Title 32: PROFESSIONS AND OCCUPATIONS Chapter 109-A: MAINE FAIR DEBT COLLECTION PRACTICES ACT 11013. PROHIBITED PRACTICES 1. Harassment or abuse. A debt collector may not engage
More informationX. THE FAIR DEBT COLLECTION PRACTICES ACT
X. THE FAIR DEBT COLLECTION PRACTICES ACT TITLE VIII - DEBT COLLECTION PRACTICES (FDCPA) Sec. 801. Short Title 802. Congressional findings and declaration of purpose 803. Definitions 804. Acquisition of
More informationTHE CONSUMER LAW GROUP, P. C.
THE CONSUMER LAW GROUP, P. C. 1801 Libbie Avenue, Suite 202 Richmond, Virginia 23226 (804) 282-7900 Protecting and Fighting for Consumer Rights www.theconsumerlawgroup.com FAX (804) 673-0316 email: pcampbell@theconsumerlawgroup.com
More informationCONSUMER CONCERNS. Dealing with Debt Collection Harassment. Information for Advocates Representing Older Adults. What Can a Debt Collector Really Do?
CONSUMER Information for Advocates Representing Older Adults N a t i o n a l C o n s u m e r L a w C e n t e r Debt collectors have been the most complained-about industry on the Federal Trade Commission
More informationText of the Fair Debt Collection Practices Act
Appendix A Text of the Fair Debt Collection Practices Act A.1 Cross-Reference Table of Public Law 95-109 Section Numbers with 15 U.S.C. Section Numbers The Fair Debt Collection Practices Act, as currently
More informationSearch: THE FAIR DEBT COLLECTION PRACTICES ACT
1 of 8 3/20/2007 12:08 AM Search: GO HOME CONSUMERS BUSINESSES NEWSROOM FORMAL ANTITRUST CONGRESSIONAL ECONOMIC LEGAL Privacy Policy About FTC Commissioners File a Complaint HSR FOIA IG Office En Español
More information79th OREGON LEGISLATIVE ASSEMBLY Regular Session. House Bill 2356
th OREGON LEGISLATIVE ASSEMBLY-- Regular Session House Bill Introduced and printed pursuant to House Rule.00. Presession filed (at the request of Attorney General Ellen Rosenblum) SUMMARY The following
More information2015 Annual Convention. Best Practices for Busy Attorneys: Collection Law
2015 Annual Convention Best Practices for Busy Attorneys: Collection Law Solo, Small Firm, and General Practice Section Ohio Bar Liability Insurance Company 1.5 General CLE Hours April 29 May 1, 2015 Sandusky
More informationCase 4:17-cv Document 3-1 Filed in TXSD on 02/14/17 Page 1 of 42
Case 4:17-cv-00461 Document 3-1 Filed in TXSD on 02/14/17 Page 1 of 42 UNITED STATES OF AMERICA, Plaintiff, UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF TEXAS HOUSTON DIVISION v. Civil Action
More informationTitle 32: PROFESSIONS AND OCCUPATIONS
Title 32: PROFESSIONS AND OCCUPATIONS Chapter 109-A: MAINE FAIR DEBT COLLECTION PRACTICES ACT Table of Contents Subchapter 1. GENERAL PROVISIONS... 3 Section 11001. SHORT TITLE... 3 Section 11002. DEFINITIONS...
More informationCase 1:13-cv NLH-KMW Document 1 Filed 08/30/13 Page 1 of 19 PageID: 1 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF NEW JERSEY
Case 1:13-cv-05238-NLH-KMW Document 1 Filed 08/30/13 Page 1 of 19 PageID: 1 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF NEW JERSEY MARY ANNE CAPRIO, on behalf of herself and all others similarly situated,
More informationCase 4:14-cv Document 1 Filed in TXSD on 06/17/14 Page 1 of 16 UNITED STATES DISTRICT COURT SOUTHERN DISTRICT OF TEXAS HOUSTON DIVISION
Case 4:14-cv-01691 Document 1 Filed in TXSD on 06/17/14 Page 1 of 16 UNITED STATES DISTRICT COURT SOUTHERN DISTRICT OF TEXAS HOUSTON DIVISION FEDERAL TRADE COMMISSION, v. Plaintiff, Case No. JUDGE RTB
More informationComplaint and Jury Demand. Parties. Jurisdiction
United States District Court Western District of Virginia Harrisonburg Division Travis Combs, Case No. Plaintiff, v. Verizon Wireless, Defendant. Complaint and Jury Demand Plaintiff Travis Combs brings
More informationCase 2:17-cv SDW-LDW Document 1 Filed 06/07/17 Page 1 of 16 PageID: 1 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF NEW JERSEY : : : : : :
Case 217-cv-04127-SDW-LDW Document 1 Filed 06/07/17 Page 1 of 16 PageID 1 LAWRENCE C. HERSH Attorney at Law 17 Sylvan Street, Suite 102B Rutherford, NJ 07070 (201) 507-6300 Attorney for Plaintiff, and
More informationSUMMARY OF THE FAIR DEBT COLLECTION PRACTICES STATUTES
STATE OF CALIFORNIA STATE AND CONSUMER SERVICES AGENCY Edmund G. Brown Jr., Governor CALIFORNIA DEPARTMENT OF CONSUMER AFFAIRS DIVISION OF LEGAL AFFAIRS 1625 NORTH MARKET BLVD. SACRAMENTO, CA 95834 Legal
More informationFAIR DEBT COLLECTION PRACTICES A QUICK-START GUIDE
FAIR DEBT COLLECTION PRACTICES A QUICK-START GUIDE MANUEL H. NEWBURGER Barron & Newburger, P.C. 1212 Guadalupe, Suite 104 Austin, Texas 78701-1837 (512) 476-9103 Fax: (512) 279-0310 mnewburger@bn-lawyers.com
More information2015 Access to Justice Conference June 19, :15-3:30: Bankruptcy Law and Consumer Debt Issues Johnathan Bolton and David Farmer
2015 Access to Justice Conference June 19, 2015 2:15-3:30: Bankruptcy Law and Consumer Debt Issues Johnathan Bolton and David Farmer Recommended resources: Access Room and Legal Aid Materials Hawaii Collection
More informationSummary of Debt Collection Proposals Under Consideration 1
I. Executive Summary Summary of Debt Collection Proposals Under Consideration 1 On July 28, 2016, the Consumer Financial Protection Bureau ( CFPB or Bureau ) released its 117 page outline for debt collection
More informationCase 2:18-cv JAW Document 1 Filed 05/21/18 Page 1 of 11 PageID #: 1 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF MAINE
Case 2:18-cv-00205-JAW Document 1 Filed 05/21/18 Page 1 of 11 PageID #: 1 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF MAINE SHARON PAYEUR, individually and on behalf of all others similarly situated,
More informationUSAACE & Fort Rucker Preventative Law Program. Debt Collection
USAACE & Fort Rucker Preventative Law Program Debt Collection THIS PAMPHLET contains basic information on this particular legal topic for your general information. If you have specific questions, contact
More informationJustifacts Guide to Understanding the FCRA
Justifacts Guide to Understanding the FCRA Justifacts Credential Verification, Inc. Last Revised on 12/23/2013 Overview To request further information about FCRA Compliance or Justifacts employment screening
More informationUNITED STATES DISTRICT COURT FOR THE DISTRICT OF OREGON PORTLAND DIVISION
Michael Fuller, Oregon Bar No. 09357 mfuller@olsendaines.com 9415 SE Stark St., Suite 207 Office: (503) 274-4252 Fax: (503) 362-1375 Cell: (503) 201-4570 Justin Baxter, Oregon Bar No. 992178 justin@baxterlaw.com
More informationSenate Bill 1553 Sponsored by Senator BOQUIST (Presession filed.)
79th OREGON LEGISLATIVE ASSEMBLY--2018 Regular Session Enrolled Senate Bill 1553 Sponsored by Senator BOQUIST (Presession filed.) CHAPTER... AN ACT Relating to regulation of certain business entities;
More informationUpdated Through January, Posted January, 2010 FAIR DEBT COLLECTION PRACTICES ACT. Title p
Updated Through January, 2009 Posted January, 2010 FAIR DEBT COLLECTION PRACTICES ACT Title 15 1692-1692p 1692. Congressional findings and declaration of purpose 1692a. Definitions 1692b. Acquisition of
More informationPursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due.
Debt Validation Sample Letter Date To: (Name of the Collections Agency) Address: (Address of the Collection Agency) Account # 123456787 From: (Your Name) Address: (Your Address) Delivery Confirmation #:
More informationCFPB Releases FDCPA Rule Outline; Creditor Collection Rule to Come
Consumer Financial Services Update CFPB Releases FDCPA Rule Outline; Creditor Collection Rule to Come July 29, 2016 On July 28, 2016, the Consumer Financial Protection Bureau (CFPB) released an outline
More informationCase 2:17-cv JMV-SCM Document 1 Filed 08/01/17 Page 1 of 15 PageID: 1 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF NEW JERSEY : : : : : :
Case 217-cv-05641-JMV-SCM Document 1 Filed 08/01/17 Page 1 of 15 PageID 1 LAWRENCE C. HERSH Attorney at Law 17 Sylvan Street, Suite 102B Rutherford, NJ 07070 (201) 507-6300 Attorney for Plaintiff and all
More informationCase: 1:10-cv Document #: 56 Filed: 12/06/10 Page 1 of 9 PageID #:261
Case: 1:10-cv-00573 Document #: 56 Filed: 12/06/10 Page 1 of 9 PageID #:261 IN THE UNITED STATES DISTRICT COURT FOR THE NORTHERN DISTRICT OF ILLINOIS EASTERN DIVISION VICTOR GULLEY, ) ) Plaintiff, ) )
More informationFair Debt Collection: What Every Bankruptcy Attorney Should Know
Fair Debt Collection: What Every Bankruptcy Attorney Should Know William M. Clanton Law Office of Bill Clanton, P.C. 926 Chulie Dr. San Antonio, Texas 78216 210 226 0800 210 338 8660 fax bill@clantonlawoffice.com
More informationSokaogon Chippewa Community Ordinances
Sokaogon Chippewa Community Ordinances Section 6.5 TRIBAL SMALL DOLLAR LENDING ORDINANCE. 6.5.1 Purpose. With this Ordinance, the Sokaogon Chippewa Community permits licensees to offer three loan products:
More informationFair Debt Collection Practices Act
Fair Debt Collection Practices Act 1692. Congressional findings and declaration of purpose (a) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection
More informationIn the Supreme Court of the United States
No. 16-757 In the Supreme Court of the United States DOMICK NELSON, PETITIONER v. MIDLAND CREDIT MANAGEMENT, INC. ON PETITION FOR A WRIT OF CERTIORARI TO THE UNITED STATES COURT OF APPEALS FOR THE EIGHTH
More informationCase 1:13-cv PLM Doc #8 Filed 12/23/13 Page 1 of 17 Page ID#44
Case 1:13-cv-01338-PLM Doc #8 Filed 12/23/13 Page 1 of 17 Page ID#44 UNITED STATES DISTRICT COURT WESTERN DISTRICT OF MICHIGAN SOUTHERN DIVISION JOHN P. HUNTER and BRIAN HUDSON, for themselves and class
More informationUPDATE ON DEBT COLLECTION ISSUES AND DEVELOPMENTS. Credit Law Institute With The Conference on Consumer Finance Law. October 28 and 29, 2010
UPDATE ON DEBT COLLECTION ISSUES AND DEVELOPMENTS Credit Law Institute With The Conference on Consumer Finance Law October 28 and 29, 2010 Hilton Dallas in Southlake Town Square, Southlake, Texas MIKE
More informationSecurePlus Provider universal life insurance policy SecurePlus Paragon universal life insurance policy. a class action lawsuit may affect your rights.
UNITED STATES DISTRICT COURT CENTRAL DISTRICT OF CALIFORNIA If you were or are a California resident who purchased one or both of the following policies issued by Life Insurance Company of the Southwest
More informationSenate Bill 1553 Ordered by the Senate March 2 Including Senate Amendments dated March 2
th OREGON LEGISLATIVE ASSEMBLY--0 Regular Session Sponsored by Senator BOQUIST (Presession filed.) A-Engrossed Senate Bill Ordered by the Senate March Including Senate Amendments dated March SUMMARY The
More information2017 All-Ohio Legal Forum. Negligence Law: The Best Defense Is a Good Offense
2017 All-Ohio Legal Forum Negligence Law: The Best Defense Is a Good Offense Negligence Law Committee 1.5 General CLE Hours August 23 August 25, 2017 Cleveland Speaker Biographies Daniel J. Myers, Esq.
More informationCity of Westbrook, Maine
City of Westbrook, Maine APPLICATION FOR EMPLOYMENT Thank you for your interest in employment with the City of Westbrook. General Information and Instructions 1. All items on the application form must
More informationSelecting, Valuing, Developing Letter and Overcharge Cases David J. Philipps Mary E. Philipps Angie K. Robertson Philipps & Philipps, Ltd.
1 Selecting, Valuing, Developing Letter and Overcharge Cases David J. Philipps Mary E. Philipps Angie K. Robertson Philipps & Philipps, Ltd. NCLC 2015 FDCPA Conference Washington, D.C. 2 I. First Case
More informationVolume 2 Your Credit Report and Your Rights
Volume 2 Your Credit Report and Your Rights Your Credit Report and Your Rights Take the first step in changing your financial future. Call InCharge Debt Solutions today at 1.877.544.7772 or visit www.incharge.org
More informationFair Debt Collection Practices
Fair Debt Collection Practices Scott Daugherty, President/General Counsel A UBA Company Introduction Wouldn t it be great if every loan we ever made was paid on time, as agreed, through maturity? Unfortunately,
More information8:18-cv DCC Date Filed 01/03/18 Entry Number 1 Page 1 of 12
8:18-cv-00014-DCC Date Filed 01/03/18 Entry Number 1 Page 1 of 12 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF SOUTH CAROLINA ANDERSON/GREENVILLE DIVISION JONATHAN ALSTON and DARIUS REID, individually
More informationINSTRUCTIONS: LETTER BELOW
INSTRUCTIONS: #1. When in default pull your free annual report (ONLY authorized source for the free annual credit report that's yours by law is at: https://www.annualcreditreport.com/cra/index.jsp). Dispute
More informationUNITED STATES DISTRICT COURT DISTRICT OF MINNESOTA. Plaintiff, v. MEMORANDUM OPINION AND ORDER Civil No (MJD/TNL) Admiral Investments, LLC,
CASE 0:16-cv-00452-MJD-TNL Document 26 Filed 02/02/17 Page 1 of 9 UNITED STATES DISTRICT COURT DISTRICT OF MINNESOTA Brianna Johnson, Plaintiff, v. MEMORANDUM OPINION AND ORDER Civil No. 16 452 (MJD/TNL)
More informationH. B. NO , HDl, SD1
H. B. NO. 14-106, HDl, SD1 AN ACT To prohibit abusive collection tactics, set limits on communications about debt, describe and forbid fraudulent or misleading collection practices, and limit the types
More informationNEW YORK STATE DEPARTMENT OF FINANCIAL SERVICES 23 NYCRR 1 DEBT COLLECTION BY THIRD-PARTY DEBT COLLECTORS AND DEBT BUYERS
NEW YORK STATE DEPARTMENT OF FINANCIAL SERVICES 23 NYCRR 1 DEBT COLLECTION BY THIRD-PARTY DEBT COLLECTORS AND DEBT BUYERS I, Benjamin M. Lawsky, Superintendent of Financial Services, pursuant to the authority
More informationUNITED STATES DISTRICT COURT MIDDLE DISTRICT OF FLORIDA TAMPA DIVISION. v. CASE NO. 8:16-cv-1059-T-23AAS ORDER
Case 8:16-cv-01059-SDM-AAS Document 30 Filed 10/31/17 Page 1 of 10 PageID 212 UNITED STATES DISTRICT COURT MIDDLE DISTRICT OF FLORIDA TAMPA DIVISION YAMILY JIMENEZ, Plaintiff, v. CASE NO. 8:16-cv-1059-T-23AAS
More informationPROWN, m. FEB FEUERSTEIN, J. "CAC"), in connection with the collection of a debt allegedly owed by Plaintiff in.
F LI,ED Case 2:18-cv-00957-SJF-GRB Document 1 Filed 02/13/18 Page 1 of U.S. I,,;:P.40tdFFics u s. DIS RICT COURT E.D.N.Y. FEB 1 3 2018 UNITED STATES DISTRICT COURT EASTERN DISTRICT OF NEW YORK LONG ISLAND
More informationF air D ebt C ollection P ractices A ct
F air D ebt C ollection P ractices A ct THE FAIR DEBT COLLECTION PRACTICES ACT As amended by Pub. L. 109-351, 801-02, 120 Stat. 1966 (2006) As a public service, the staff of the Federal Trade Commission
More informationFrequently Asked Questions
Frequently Asked Questions 1. What is the difference between a professional collection service and a creditor collecting on its own behalf? Sometimes consumers confuse third-party collectors with the in-house
More informationDISCLOSURE REGARDING BACKGROUND INVESTIGATION
DISCLOSURE AND AUTHORIZATION [IMPORTANT - - PLEASE READ CAREFULLY BEFORE SIGNING AUTHORIZATION] DISCLOSURE REGARDING BACKGROUND INVESTIGATION ( the Company ) may obtain information about you for employment
More informationCase 1:17-cv UNA Document 3-1 Filed 09/18/17 Page 1 of 40 PageID #: 23 IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF DELAWARE
Case 1:17-cv-01323-UNA Document 3-1 Filed 09/18/17 Page 1 of 40 PageID #: 23 IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF DELAWARE Consumer Financial Protection Bureau, Plaintiff, v. THE NATIONAL
More informationUNITED STATES BANKRUPTCY COURT DISTRICT OF OREGON COMPLAINT
Michael Fuller, OSB No. 09357 Special Counsel for Ms. Knight Olsen Daines PC US Bancorp Tower 111 SW 5th Ave., Suite 3150 Portland, Oregon 97204 michael@underdoglawyer.com Direct 503-201-4570 Kelly D.
More informationAs Introduced. 132nd General Assembly Regular Session H. B. No
132nd General Assembly Regular Session H. B. No. 769 2017-2018 Representative Dever A B I L L To enact section 1349.72 of the Revised Code to require a commercial credit reporting agency to provide credit
More informationTax Identity Shield What to Expect. Tax Identity Shield Terms & Conditions
Tax Identity Shield What to Expect Congratulations! Enrolling in Tax Identity Shield (by signing below) is an important first step in helping to better protect your taxpayer identity. What happens next?
More informationARKANSAS CODE ANNOTATED
ARKANSAS CODE ANNOTATED COLLECTION AGENCIES Subchapter 1. General Provisions. 17-24-101. Definition. As used in this chapter, unless the context otherwise requires,"collection agency" means any person,
More informationA Summary of Your Rights Under the Fair Credit Reporting Act
A Summary of Your Rights Under the Fair Credit Reporting Act Under the federal Fair Credit Reporting Act, an employer is required to provide the individual with a copy of the official description of individual
More informationCase No.: CLASS ACTION. Plaintiff, COMPLAINT FOR DAMAGES PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.C. 1692, ET SEQ.
Case :-cv-00-bas-ags Document Filed 0// PageID. Page of FISCHERR AVENUE, UNIT D COSTA MESA, CA 0 Abbas Kazerounian, Esq. (0) ak@kazlg.com Mona Amini, Esq. () mona@kazlg.com Veronica Cruz, Esq. () veronica@kazlg.com
More informationCENTURYLINK ELECTRONIC AND ONLINE PAYMENT TERMS AND CONDITIONS
CENTURYLINK ELECTRONIC AND ONLINE PAYMENT TERMS AND CONDITIONS Effective June 1, 2014 The following terms and conditions apply to electronic and online delivery and presentation of your invoices by CenturyLink
More informationFOR IMMEDIATE RELEASE: September 9, 2015
FOR IMMEDIATE RELEASE: September 9, 2015 CONSUMER FINANCIAL PROTECTION BUREAU TAKES ACTION AGAINST THE TWO LARGEST DEBT BUYERS FOR USING DECEPTIVE TACTICS TO COLLECT BAD DEBTS Encore and Portfolio Recovery
More informationCase 1:18-cv MKB-RML Document 5 Filed 06/22/18 Page 1 of 8 PageID #: 14
Case 1:18-cv-03628-MKB-RML Document 5 Filed 06/22/18 Page 1 of 8 PageID #: 14 UNITED STATES DISTRICT COURT FOR THE EASTERN DISTRICT OF NEW YORK CIVIL DIVISION JAROSLAW T. WOJCIK, } ON BEHALF OF HIMSELF
More informationCase: 1:18-cv Document #: 1 Filed: 06/02/18 Page 1 of 21 PageID #:1
Case: 1:18-cv-03864 Document #: 1 Filed: 06/02/18 Page 1 of 21 PageID #:1 UNITED STATES DISTRICT COURT FOR THE NORTHERN DISTRICT OF ILLINOIS EASTERN DIVISION JASON R. KREJCI, Individually and on ) behalf
More informationUnited States Court of Appeals For the Eighth Circuit
United States Court of Appeals For the Eighth Circuit No. 15-2984 Domick Nelson lllllllllllllllllllll Plaintiff - Appellant v. Midland Credit Management, Inc. lllllllllllllllllllll Defendant - Appellee
More informationCase: 1:18-cv CAB Doc #: 11 Filed: 03/05/19 1 of 7. PageID #: 84 UNITED STATES DISTRICT COURT NORTHERN DISTRICT OF OHIO EASTERN DIVISION
Case: 1:18-cv-01794-CAB Doc #: 11 Filed: 03/05/19 1 of 7. PageID #: 84 UNITED STATES DISTRICT COURT NORTHERN DISTRICT OF OHIO EASTERN DIVISION CAROLYN D. HOLLOWAY, CASE NO.1:18CV1794 Plaintiff, JUDGE CHRISTOPHER
More informationLOCATING PLACE OF EMPLOYMENT
1 LOCATING PLACE OF EMPLOYMENT Presented by Mike Dores California PI #15087 * Montana PI #9630 Founder of Merlin Information Services Current Owner and Chief Investigator of Merlin Locate Services 2 Presenter
More information[Second Reprint] ASSEMBLY, No STATE OF NEW JERSEY. 214th LEGISLATURE PRE-FILED FOR INTRODUCTION IN THE 2010 SESSION
[Second Reprint] ASSEMBLY, No. 0 STATE OF NEW JERSEY th LEGISLATURE PRE-FILED FOR INTRODUCTION IN THE 0 SESSION Sponsored by: Assemblyman JOHN J. BURZICHELLI District (Salem, Cumberland and Gloucester)
More informationThank you for your interest in employment at METEC! Please observe the following steps when applying for employment:
Dear Potential METEC Employment Applicant: Thank you for your interest in employment at METEC! Please observe the following steps when applying for employment: 1. Read the Background Verification Disclosure
More informationAPPLICATION FOR EMPLOYMENT
APPLICATION FOR EMPLOYMENT JSC Federal Credit Union is an equal opportunity employer. All applicants will be considered regardless of race, color, religion, sex national origin, age, marital or veteran
More informationUnited States Court of Appeals For the Eighth Circuit
United States Court of Appeals For the Eighth Circuit No. 17-2141 Troy K. Scheffler lllllllllllllllllllllplaintiff - Appellant v. Gurstel Chargo, P.A. llllllllllllllllllllldefendant - Appellee Appeal from
More informationCase 3:14-cv HU Document 1 Filed 04/01/14 Page 1 of 14 Page ID#: 1 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF OREGON PORTLAND DIVISION
Case 3:14-cv-00535-HU Document 1 Filed 04/01/14 Page 1 of 14 Page ID#: 1 Michael Fuller, Oregon Bar No. 09357 Attorney for the Silva Family US Bancorp Tower 111 SW 5th Ave., 31st Fl. Portland, OR 97204
More informationCODE OF CONDUCT FOR DEBT COLLECTORS
CODE OF CONDUCT FOR DEBT COLLECTORS PROMULGATED IN TERMS OF SECTION 14 OF THE DEBT COLLECTORS ACT, 1998 (ACT 114 OF 1998) (CONSOLIDATED AND ANNOTATED) 6 December 2007 2 GOVERNMENT NOTICE COUNCIL FOR DEBT
More informationUNITED STATES DISTRICT COURT EASTERN DISTRICT OF WISCONSIN. v. Case No. 15-CV-837 ORDER GRANTING MOTION FOR JUDGMENT ON THE PLEADINGS
UNITED STATES DISTRICT COURT EASTERN DISTRICT OF WISCONSIN THOMAS MAVROFF, Plaintiff, v. Case No. 15-CV-837 KOHN LAW FIRM S.C. and DAVID A. AMBROSH, Defendants. ORDER GRANTING MOTION FOR JUDGMENT ON THE
More informationUNITED STATES DISTRICT COURT
Case 6:17-cv-01523-GAP-TBS Document 29 Filed 01/18/18 Page 1 of 6 PageID 467 DUDLEY BLAKE, UNITED STATES DISTRICT COURT Plaintiff, MIDDLE DISTRICT OF FLORIDA ORLANDO DIVISION v. Case No: 6:17-cv-1523-Orl-31TBS
More informationPrevent and React to AR Problems
Managing Your Accounts Receivable How a Nursing Facility can Prevent and React to AR Problems Andrew R. Eisemann, Esq. Capozzi & Associates, P.C. andrewe@capozziassociates.com (717) 233-4101 (717) 233-4103
More informationStopping Debt Collection Harassment and Responding to Debt Collection Suits
Stopping Debt Collection Harassment and Responding to Debt Collection Suits Robert J. Hobbs National Consumer Law Center Michelle A. Weinberg Legal Assistance Foundation of Metropolitan Chicago Jessica
More informationTABLE OF CONTENTS. 1 Consumer Law Overview. 2 Family Expense Statute. 3 Preservation of Consumer Claims and Defenses. 4 Unlawful Trade Practices
TABLE OF CONTENTS 1 Consumer Law Overview (1996 ed & 2000 supp)... Richard A. Slottee 2 Family Expense Statute (1996 ed & 2000 supp)...victoria E. Hatch 3 Preservation of Consumer Claims and Defenses (1996
More informationSolving Money Problems
Solving Money Problems 14 th Edition Robin Leonard, J.D. Attorney Margaret Reiter Chapter 1 How Much Do You Owe?... 1 Learning Objectives... 1 Introduction... 1 How Much Do You Earn?... 2 How Much Do You
More informationKANSAS STATE UNIVERSITY
KANSAS STATE UNIVERSITY DISCLOSURE AND AUTHORIZATION [IMPORTANT PLEASE READ CAREFULLY BEFORE SIGNING AUTHORIZATION] DISCLOSURE REGARDING BACKGROUND INVESTIGATION PER 59(1/2013) Kansas State University
More informationCase 7:18-cv NSR Document 1 Filed 08/23/18 Page 1 of 6 UNITED STATES DISTRICT COURT SOUTHERN DISTRICT OF NEW YORK. JURY TRIAL DEMANDED vs.
Case 7:18-cv-07683-NSR Document 1 Filed 08/23/18 Page 1 of 6 BARSHAY SANDERS, PLLC 100 Garden City Plaza, Suite 500 Garden City, New York 11530 Tel: (516) 203-7600 Fax: (516) 706-5055 Email: ConsumerRights@BarshaySanders.com
More informationCase 2:12-cv CCC-JAD Document 1 Filed 06/15/12 Page 1 of 14 PageID: 1 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF NEW JERSEY
Case 2:12-cv-03628-CCC-JAD Document 1 Filed 06/15/12 Page 1 of 14 PageID: 1 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF NEW JERSEY ANGELA ZBOROWSKI, on behalf of herself and all others similarly situated,
More informationIN THE UNITED STATES DISTRICT COURT EASTERN DISTRICT OF ARKANSAS WESTERN DIVISION
Case 4:16-cv-00886-SWW Document 15 Filed 06/13/17 Page 1 of 10 IN THE UNITED STATES DISTRICT COURT EASTERN DISTRICT OF ARKANSAS WESTERN DIVISION MARY BEAVERS, * * Plaintiff, * vs. * No. 4:16-cv-00886-SWW
More informationUNITED STATES OF AMERICA BUREAU OF CONSUMER FINANCIAL PROTECTION. In the Matter of: CONSENT ORDER
2018-BCFP-0004 Document 1 Filed 07/13/2018 Page 1 of 37 UNITED STATES OF AMERICA BUREAU OF CONSUMER FINANCIAL PROTECTION ADMINISTRATIVE PROCEEDING File No. 2018-BCFP- 0004 In the Matter of: CONSENT ORDER
More informationUNITED STATES BANKRUPTCY COURT FOR THE DISTRICT OF OREGON. Adv. Proc. No. COMPLAINT
Michael Fuller, Oregon Bar No. 09357 Special Counsel for Debtor michael@underdoglawyer.com Direct 503-201-4570 UNITED STATES BANKRUPTCY COURT FOR THE DISTRICT OF OREGON In re Michael Rolf Gustafson, Debtor.
More informationCase 1:18-cv AMD-RLM Document 1 Filed 07/02/18 Page 1 of 10 PageID #: 1
Case 1:18-cv-03806-AMD-RLM Document 1 Filed 07/02/18 Page 1 of 10 PageID #: 1 UNITED STATES DISTRICT COURT EASTERN DISTRICT OF NEW YORK --------------------------------------------------------- ZISSY HOLCZLER
More informationCase 3:09-cv ST Document 44 Filed 06/07/10 Page 1 of 15 Page ID#: 371
Case 3:09-cv-00946-ST Document 44 Filed 06/07/10 Page 1 of 15 Page ID#: 371 IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF OREGON PORTLAND DIVISION Amy Daley, Plaintiff, CV-09-946-ST v. OPINION
More informationCFPB Bulletin Date: February 11, Mortgage Servicing Transfers
CFPB Bulletin 2013-01 Date: February 11, 2013 Subject: Mortgage Servicing Transfers The Consumer Financial Protection Bureau (CFPB) is issuing this guidance to residential mortgage servicers and subservicers
More informationJerman And Its Effects On the Collection Industry
Jerman And Its Effects On the Collection Industry Presented By: Alan H. Weinberg, Managing Partner U.S. Supreme Court Only two Fair Debt Collection Practices Act ( FDCPA ) Cases have been before the United
More informationSupervisory Highlights Consumer Reporting Special Edition
March 2017 Supervisory Highlights Consumer Reporting Special Edition Issue 14, Winter 2017 Table of Contents 1. Executive Summary... 2 2. Supervisory observations at consumer reporting companies... 3 Data
More informationA Summary of Your Rights Under the Fair Credit Reporting Act
Para información en español, visite www.consumerfinance.gov/learnmore o escribe a la Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552. A Summary of Your Rights Under the Fair
More informationUNITED STATES DISTRICT COURT EASTERN DISTRICT OF WISCONSIN
UNITED STATES DISTRICT COURT EASTERN DISTRICT OF WISCONSIN ROBIN BETZ, individually and on behalf of all others similarly situated, Plaintiff, v. Case No. 16-C-1161 MRS BPO, LLC, Defendant. DECISION AND
More informationCase 3:17-cv BR Document 1 Filed 01/24/17 Page 1 of 21
Case 3:17-cv-00117-BR Document 1 Filed 01/24/17 Page 1 of 21 Michael Fuller, OSB No. 09357 Lead Trial Attorney for Estrella Rex Daines, OSB No. 952442 Of Attorneys for Estrella Olsen Daines PC US Bancorp
More information