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Case Requires Bank to Show Compliance with FHA Requirements

By Jacobs Legal |

For the most part, every mortgage and note are generally the same (at least in Florida, and if we’re talking about first mortgages on residential property). That is, they use the same basic language, with the same requirements imposed on the lender and the borrower. FHA Loans But FHA loans are a little different…. Read More »

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MoneyGavel

Florida Supreme Court to Rule on Important Case Involving Attorney’s Fees

By Jacobs Legal |

The Florida Supreme Court is set to decide an important case on attorney’s fees. While the issue of attorney’s fees may not seem like one of great importance to your everyday consumer, this one is. Despite the fact the case is a foreclosure case, it could have striking ramifications for many kinds of consumer… Read More »

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Credit

Re-Aging May Keep Negative Items on Your Credit Longer Than They Should Be There

By Jacobs Legal |

One of the most common questions that consumers have is how long certain items stay on their credit report. That answer is more complex than it should be, but a major issue regarding credit reports is one that causes debts and negative marks to show up on your credit longer than they legally are… Read More »

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Forec5

What Happens When the Bank Issues a 1099-C on Your Home Loan? Maybe Nothing.

By Jacobs Legal |

As you may know, a judgment of foreclosure doesn’t just mean that your property can be taken from you. It also can mean a potential money judgment down the road, if you owe more than what the property is worth when its foreclosed on. The Effect of a 1099-C Many borrowers receive what they… Read More »

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Debt4

Debt Buyers Often Have No Idea Whether Debts are Actually Accurate

By Jacobs Legal |

Would you pay millions of dollars for something without knowing what it is and without getting any warranties that what you’re purchasing is what you’re getting? Probably not – unless you’re a debt buyer, which does just this, often to the detriment of consumers. How Debts are Purchased As you may know, debt buyers… Read More »

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Litigation3

Debt Collectors Often Provide You the Wrong Information

By Jacobs Legal |

When we think of debtors harassing consumers, we often think of debt collectors threatening jail, threatening to hurt someone’s family, berating consumers, or cursing at them. This all does happen in the debt collection world, and it’s certainly illegal. But there’s a large part of creditor harassing that isn’t so obvious and that many… Read More »

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ConsumerProtec4

Can Your Credit Be Pulled Without Your Permission?

By Jacobs Legal |

There is a common misconception that anybody who wants to check your credit for any reason has to get your written permission. Maybe this comes from the fact that most people do ask for your permission when they pull credit, whether they have to or not, but there are actually occasions when people can… Read More »

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holdingmoney

Payday Lenders Cut Slack While Charging More Interest Than the Mob

By Jacobs Legal |

Recently, the New York Attorney General’s Office announced indictments of nearly a dozen individuals tied to an alleged organized crime family for engaging in broad scale illegal loansharking. The long-term investigation reportedly uncovered “the largest” loan sharking operation ever investigated by the agency, with defendants allegedly saddling victims (lured in by an illegal gambling… Read More »

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files

Report: Wells Fargo Tipped Off to Federal OCC Investigation

By Jacobs Legal |

A high-level federal examiner at the Office of the Comptroller of the Currency reportedly leaked information to Wells Fargo about the existence of an investigation – something that is strictly forbidden. Debt defense attorneys in Miami know that this kind of disclosure means the bank could have taken measures to protect itself from criminal… Read More »

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handcuffs1

ACLU: Courts are Arresting, Jailing Consumers at Behest of Private Debt Collectors

By Jacobs Legal |

America’s criminal justice system is being used to enforce private debts. That’s according to a new in-depth investigation by the American Civil Liberties Union (ACLU) into the extent and impact of courts cooperating with the private debt collection industry in the U.S. In “The Criminalization of Private Debt,” the ACLU reports that courts in… Read More »

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