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Category Archives: Consumer Rights

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Supreme Court Gives Consumers a Rare Win

By Jacobs Legal |

It is not often lately that there is news of the United States Supreme Court making a decision that is in favor of consumers. Recently, however, the court did just that, putting limits on big business’ and banks’ ability to try to make class action cases more difficult for consumers. A Common Scenario in… Read More »

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DebtColl2

Proposed Rule Will Limit How Many Times a Debt Collector Can Call You

By Jacobs Legal |

A common complain that consumers have is that collectors call them too much. Some consumers, desperate for relief, even resort to changing their phone number. A new rule is being proposed, which has opposition from both collection agencies and consumer advocates, that could significantly alter how many times you are contacted by a collection… Read More »

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ConsProt2

What is a “G Notice” and Why Should You Pay Attention to It?

By Jacobs Legal |

If you’ve received any type of collection letter, you’ve probably seen the disclaimer. It has become so standard that you may have even ignored it. It’s the paragraph that reminds you of your rights to dispute a debt, and it is legally required to be written like this: “Unless you notify this office within… Read More »

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ConsumerP1

Supreme Court Set to Resolve Conflict in FDCPA Laws

By Jacobs Legal |

The Fair Debt Collection Practices Act (FDCPA) is one of the most powerful consumer statutes that exist. The law provides consumers the ability to sue for damages when debt collectors use methods that are coercive, deceptive, or illegal, in the process of collecting a debt. There are so many ways that debt collectors can… Read More »

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Proposal to Cap Interest Rates May Fail, but it Has Merit

By Jacobs Legal |

Fed up with the exorbitant and soaring interest rates that credit card companies charge consumers, there is a push underway to cap the maximum interest rate that credit card providers can charge consumers. Although the likelihood of getting the law passed seems slim (at least for now), the issue still highlights the abusive policies… Read More »

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Pillars

Defenses to Car Repossession Deficiency Judgments

By Jacobs Legal |

In any situation where there is property that properly and legally secures a debt, that property can be taken and sold to satisfy the debt if the debt isn’t paid. This is the rationale behind foreclosure: the bank sells your house at public auction and then uses those funds to pay the debt. If… Read More »

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ConsumerRights2

Credit Reporting Agencies are Getting in Trouble for Reporting Public Records

By Jacobs Legal |

Most people already know that the major credit reporting agencies (CRAs) Equifax, Experian and TransUnion report debts and credit history information. When we think of this kind of information we may think about credit cards, medical debts, home or car loans, or student loans. We often forget that these CRAs also report on tax… Read More »

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ConsRights3

Alternative Credit Scoring Methods are Being Used More Often

By Jacobs Legal |

If you were told that there were only three restaurant chains that served every American, you would probably think that was crazy. Yet, there remain three credit reporting agencies (CRAs) that gather and report on everyone’s credit: Equifax, Experian and TransUnion. However, some startup companies are trying to change how credit is scored to… Read More »

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ConsRights

Supreme Court Starts to Close the Door on FDCPA Protections in Foreclosure Cases

By Jacobs Legal |

The U.S. Supreme Court recently weighed in on the Fair Debt Collection Practices Act (FDCPA), the law that protects consumers from abusive collection practices. The Court had to determine whether collectors and their attorneys that engage in foreclosures are covered by the act. The Court unfortunately limited consumer protections, but the applicability in Florida… Read More »

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ConsumerRights

Our Firm Successfully Argues Law Allowing Seizure of Rents Cannot Apply to Our Client

By Jacobs Legal |

We are proud to announce that our firm recently won a major battle in state court by successfully arguing that a portion of Florida foreclosure law was illegal under the Florida Constitution. The fight is likely not over, but this is a big step in asserting consumer and homeowner’s rights. The Law Allowing Rent… Read More »

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