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Category Archives: Consumer Rights

CollectionLetters

Collection Letters From Law Firms: Are They Legitimate?

By Jacobs Legal |

If you get a lot of collection letters in the mail, they may all seem pretty standard. You may not even be afraid of getting them. But then you get one that looks different. This one is from a lawyer. Now you know you’re in trouble or about to get sued, because there is… Read More »

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ConsRights4

You Can Fight a Deficiency Judgment

By Jacobs Legal |

A deficiency judgment against a consumer or homeowner can be scary. The amounts owed are usually high, and it can seem like you’re paying for an item that you have already lost to foreclosure or repossession. However, there are some things that you can do to fight back against anybody who is trying to… Read More »

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MoneyGavel

Second Loans Can Foreclose–But Do They?

By Jacobs Legal |

When loans and borrowing on your home equity were easy to come by, a lot of people took advantage of the opportunity to cash out on their own home. As a result, many people have first and second loans. When the foreclosure crisis hit, many ended up getting foreclosed on by first and second… Read More »

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ConcernedCouple

Debt Collector Buys Consumer’s Right to Sue

By Jacobs Legal |

When it comes to trying to get out of trouble, debt collection companies and debt buyers will do just about anything. In a move that should at least be recognized as clever, one debt buyer a few years ago attempted to buy its way out of being sued under the FDCPA. Suits Filed Against… Read More »

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DebtColl4

Things to Remember About Accepting Debt in a Divorce

By Jacobs Legal |

In a divorce, many couples give a lot of thought about who gets what property. Couples may spend a lot of time fighting over the value of property that will be divided. However, rarely do couples give any thought about who will get what debt, and even when they do, they often do not… Read More »

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DoorSales

Door-to-Door Sales Rules Can Help Consumers

By Jacobs Legal |

Who’s that knocking at your door? It could be a salesman. Yes, the days of people going door to door to sell products seem to be in our past, but door to door solicitations still happen. Think, for example, of a repair company coming to solicit people whose homes have been damaged in a… Read More »

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Litigation

Florida Court Weakens TCPA Protections

By Jacobs Legal |

There is an interesting and somewhat troubling contradiction happening in our country today. On the one hand, governments and even cell phone companies are starting to recognize what a scourge that robo-calls and unwanted text messages are to consumers. These calls, some of which are pure spam and some which are legitimate but annoying… Read More »

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GavelBooks

Being Married Provides Some Protection From Judgment Enforcement

By Jacobs Legal |

Getting married is not a defense to debt collection or judgment enforcement, and we don’t recommend you get married just as a way of evading creditors. However, it is true that being married provides some limited defense to collection actions. The defense comes from the long established legal principle that property owned by a… Read More »

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ConsumerProtec4

Wells Fargo is Making Big Money off of Loans That Got Them in Trouble

By Jacobs Legal |

Wells Fargo recently reported that it made a lot of money off of the same kind of loan product that in part helped decimate the economy, got the bank in legal trouble, and drove consumers into foreclosure. To understand how outrageous this is, it helps to understand the history of the “pick-a-payment” loan program…. Read More »

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LaptopGavel

Banks Often Forget to Show Documents Were Actually Mailed to Homeowners

By Jacobs Legal |

A mortgage and a mortgage loan (sometimes called a promissory note) are both nothing more than contracts, even though there may be slightly different rules that apply to both of them. In order to foreclose the bank has to follow the exact rules and requirements of the terms of those contracts that it made… Read More »

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