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Category Archives: Debt Defense

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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DebtColl4

Do You Need an Attorney to Defend a Collections Lawsuit?

By Jacobs Legal |

So you are being sued on debt and you aren’t sure if it’s worth hiring an attorney or not. Surely an attorney will cost money, but will he or she cost more than what you could pay to resolve the debt? While there are no bright line answers as to when it’s worth hiring… Read More »

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ConsumerProtec2

Are You Liable for the Debts of Your Spouse or Future Spouse?

By Jacobs Legal |

One of the most frequent questions consumer lawyers get is the extent of liability that a spouse has for the debts that are incurred by the other. Sometimes spouses are worried about being responsible for debts incurred by the other spouse during the marriage, and other times people may ask whether they will become… Read More »

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Debt4

Dealing with Creditors or Debt Collectors

By Jacobs Legal |

Do you get letters from creditors or debt collectors trying to collect old credit card, retail, or medical debts, and wonder “how long do these people have to collect this stuff?” The debts may seem so old you don’t remember even incurring them, and maybe you even thought the debts had disappeared or been… Read More »

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Law1

Mixed Credit Files Can Lead to Inaccurate Credit Reports

By Jacobs Legal |

There are many reasons why having good credit—or at least keeping your credit as positive as possible—is a good thing. It can be difficult enough keeping our credit healthy even in the best of circumstances. But when something shows up on our credit that isn’t ours, or that we don’t recognize, it can be… Read More »

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Forec5

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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Debt4

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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holdingmoney

Payday Lenders Cut Slack While Charging More Interest Than the Mob

By Jacobs Legal |

Recently, the New York Attorney General’s Office announced indictments of nearly a dozen individuals tied to an alleged organized crime family for engaging in broad scale illegal loansharking. The long-term investigation reportedly uncovered “the largest” loan sharking operation ever investigated by the agency, with defendants allegedly saddling victims (lured in by an illegal gambling… Read More »

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