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Category Archives: Debt Defense

summary judgement lenders

Common Summary Judgment Mistakes Made By Lenders

By Jacobs Legal |

Creditors, lenders and collectors have a way of making you feel beat down, vulnerable and hopeless. They can make you feel like you’ve lost the battle before you even begin. But this is just another predatory tactic they use to put fear into you and make you feel like you have no chance of… Read More »

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Determining Intent Usury Florida

Why the Creditor’s Intent Matters in Usury Cases in Florida

By Jacobs Legal |

Usury is that act of charging interest rates above the legal limit. In Florida the rate is set at  18% for loans up to $500,000 and 25% for loans above $500,000. Usury is no light matter. Even the Old Testament had laws against usury. But in Florida, charging interest at rate of 25-45% is… Read More »

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protect yourself finanically covid-19

3 Things You Can Do Now to Protect Your Constitutional Rights During the COVID-19 Pandemic

By Jacobs Legal |

The worldwide COVID-19 pandemic has touched every single one of our lives, and we don’t have a clear end in sight. While many of us are facing real struggles and challenges right now, it’s important to bear in mind that there are several important things you can and should be doing to protect and… Read More »

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truth and covid-19

Getting at the Truth During the COVID-19 Pandemic

By Jacobs Legal |

Our world has unraveled before our eyes. During the past several months we’ve seen this global public health crisis spread rapidly around the world, and now here it is – staring us down at our doorsteps. The reality is that along with the very serious viral threat spreading among our communities, we are also… Read More »

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Debt Validation Letter: How to Avoid Getting in Hot Water

By Jacobs Legal |

Don’t fear the mailman anymore. If that dreaded letter comes in the mail, we can help. Below you will find sound advice for how to handle a debt validation letter. Collectors are obligated to send you a debt validation letter that details the debt that they claim you owe. Follow these steps if you… Read More »

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Refunds of Loan Moneys Paid

Could You Be Entitled to Refunds of Loan Moneys Paid?

By Jacobs Legal |

Taking on a loan means taking on risk, but there’s a difference between risk and pure greed when it comes to lender behavior toward borrowers. Because predatory lenders – and traditional financial institutions alike – seek to take advantage of consumers, laws have been put in place to help curb high interest rates and… Read More »

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debt collection phone calls

When a Debtor Calls You on the Phone Repeatedly

By Jacobs Legal |

It happens when you’re rushing to get the kids out the door and to school on time. It happens when you’re at work. It happens when you’re sitting down to dinner. It happens all the time. Debt Collectors have a reputation for crossing the line and calling people incessantly. It’s one of the reasons… Read More »

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DebtDefense

Rising Auto Loan Defaults are a Distressing Signal

By Jacobs Legal |

It has been said that the housing bubble burst between 2006-2008. But that analogy makes the economic collapse sound like it was a one time, explosive, and perhaps unexpected thing. In fact, it wasn’t. If we look back on the economy we would probably find that people, slowly but surely, were starting to fall… Read More »

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CreditDef

What Does a Credit Reporting Agency Have to Do When You Dispute an Item on Your Credit?

By Jacobs Legal |

If you check your credit or get your credit reports, you’ll always see the same basic message: If you don’t agree with something on your credit reports, you can always dispute what’s there. But what can you actually dispute, and what happens when you file a dispute? What Can be Disputed You cannot dispute… Read More »

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DebtColl

Push to Amend FDCPA May Have Dangerous Consequences

By Jacobs Legal |

The Consumer Protection Financial Bureau has filed a brief in a Supreme Court case involving the Fair Debt Collection Practices Act (FDCPA). If the Court rules in the Bureau’s favor, the case could be a huge blow to consumers, and a huge benefit to debt collection companies. In addition to the case, which deals… Read More »

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