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Category Archives: Consumer Rights

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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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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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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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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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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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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Consumer Protection Agency Needs New Leader, Not New Mission

By Jacobs Legal |

Over the last several months, the authority and drive of the Consumer Financial Protection Bureau has been eroded piece-by-piece. Recently, The New York Times reported the agency’s pursuit of predatory payday lenders relaxed considerably amid intense lobbying of the industry to this administration. In just two months, hundreds of lobbyists from the industry will… Read More »

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OCC: Wells Fargo a “Repeat Offender” Against Consumer Rights

By Jacobs Legal |

A recent letter from the Office of the Comptroller of the Currency slams Wells Fargo & Co., and warns it may be taking federal enforcement action against the financial institution for a host of wrongs in its mortgage and auto insurance operations. The Wall Street Journal reports the federal regulator, in a letter submitted… Read More »

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Equifax Breach Effects Being Felt By Consumers

By Jacobs Legal |

Stolen consumer data from Equifax is reportedly being used by criminals, who heisted the information to apply for student loans, credit cards and even mortgages. The Chicago Tribune reports a class action lawsuit alleges this, as well as individuals using the compromised information to tap into consumer’s bank accounts, file claims with insurers, steal… Read More »

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Report: Banks Put Off Foreclosures to Influence Opinions, Action on Dodd-Frank

By Jacobs Legal |

Researchers from The Ohio State University, Rutgers University, the Chicago Fed and Georgetown University have concluded banks are attempting to influence voters’ opinion of the Dodd-Frank Act, hoping to discredit the truth: That the financial reform measure has been great for consumers. It’s also opined the banks are seeking to influence Congressional action on… Read More »

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