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Category Archives: Consumer Rights

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New Decision Strengthens Bank Requirements to Show Notice Letters Were Mailed

By Jacobs Legal |

In a recent decision, a Florida appellate court emphasized how important it is for banks to mail out notices of intent to accelerate or foreclosure on a mortgage loan. The case reinforces existing law, but in a time where courts seem to be doing anything to let banks get out of their obligations, this… Read More »

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Foreclosure Investors Can Get Foreclosed on Also

By Jacobs Legal |

From the foreclosure crisis and even continuing today, consumers are not just people who are sued for debt, or who are unable to pay their mortgage. Sometimes the line between a consumer and a business investor is blurred. Many everyday people who can rightly be called consumers find and invest in property. Some find… Read More »

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CreditCDebt

Fight Continues Over Interest that Debt Buyers Can Charge

By Jacobs Legal |

It may be hard to believe that a relatively obscure case from 2015 is still being debated in Washington, but that’s exactly what is currently happening. Washington regulators—who currently are somewhat anti-consumer—are trying to “fix” a pro-consumer case that came out of New York in 2015. The Problem With Usurious Interest Rates The case… Read More »

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Supreme Court Again Weighs In On FDCPA Question

By Jacobs Legal |

Once again, the U.S. Supreme Court has weighed in on an important issue involving the Fair Debt Collection Practices Act (FDCPA). And once again, the result is a confusing, mixed bag, leaving the state of the law up in the air for consumers being harassed by debt collectors. The FDCPA Statute of Limitations The… Read More »

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More Protections Announced for Spouses Who Have Reverse Mortgages

By Jacobs Legal |

For spouses of borrowers who pass away, the Federal Housing Administration (FHA) has some relief, in the form of a new announcement with new guidelines that can cake it easier for you to keep your home. The changes apply mostly to reverse mortgages. What is a Reverse Mortgage A reverse mortgage is a mortgage… Read More »

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Government Gets New Powers to Fight Robocalls

By Jacobs Legal |

The government is getting new powers to severely punish companies that abuse consumer telephones. Just this month, Congress passed a new law that will allow the Federal Communications Commission to fine robocallers up to $10,000 per call. The new law also requires that phone companies use new technologies to identify robocalls, and inform consumers… Read More »

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Mistakes Companies Make When Filing Credit Card Lawsuits

By Jacobs Legal |

It is impossible to tell when and if you will be sued on a credit card debt. Some companies sue regularly, while some will not. Some will threaten lawsuits every day and never file anything, while some will rarely threaten, but will race to the courthouse to file lawsuits. Having a lawsuit filed against… Read More »

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Why Not Make Student Loans Dischargeable in Bankruptcy?

By Jacobs Legal |

Aside from the fact that student loans are exorbitantly high, and carry abusive but legal interest rates and penalties for nonpayment, there is one other reason why student loans are so burdensome, onerous and crippling: it is nearly impossible to discharge them in bankruptcy, the way almost every other type of debt can be… Read More »

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Proposed Changes to FDCPA Would Help But May Not Become Law

By Jacobs Legal |

Congress is currently considering a number of proposals to amend the Fair Debt Collection Practices Act (FDCPA), the federal law that allows consumers to sue debt collectors that engage in abusive, harassing or unfair practices in the collection of debt. None of the proposals are law yet, and as anybody who knows how a… Read More »

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Dealing With Marital ID Theft

By Jacobs Legal |

Anytime you are a victim of identity theft, the results can be devastating on your credit. Even if you ultimately end up not owing any money, and even if you do get the items removed from your credit, there is still the time and effort to challenge improper credit items, along with the frustration… Read More »

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