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New Rights for Homeowners Exiting COVID-19 Forbearances

A new CFPB interim final rule provides an exception for mortgage servicer compliance with loss mitigation evaluations for borrowers exiting a COVID-19 forbearance, but only if the borrowers are given important rights. This article explains that forborne payments are deferred, interest free, until the end of the loan term, no fees can be charged, any delinquency is canceled, and the borrower can still apply for alternative loss mitigation.

December 1 Changes to Bankruptcy Rules, Forms, and Fees

This article reviews four amendments to the bankruptcy rules, a number of changes to the bankruptcy forms, and filing fee and other fee increases that all take effect on December 1, 2020. One of the rule changes has the potential for cost savings for debtors and their attorneys in chapter 13 cases. Also of note, filing fees for chapter 7 and 13 cases are increasing modestly.

Consumer Credit Regulation, Third Edition, Now Available in Print + Digital Formats

Consumer Credit Regulation (3d ed. November 2020) (1040 pp.) is now available in both print and digital format on the NCLC Digital Library. This treatise covers credit cards, payday loans, auto finance, and other non-mortgage credit. Subscribe now for instant access to this treatise. Learn more and read Chapter One for free here.

Protecting Wages, Benefits, and Bank Accounts from Judgment Creditors

Financial distress exacerbated by the current epidemic will soon result in millions of judgments against consumers in collection lawsuits. This article details federal and particularly state law exemptions and other protections and strategies that limit these judgment creditors from garnishing consumer wages and freezing and seizing consumer bank accounts. Additional key resources are also listed.

Mortgage Relief for Homeowners Affected By COVID-19

Updated: Sept. 23, 2020

This article provides tips and explains new protections for homeowners having difficulty making mortgage payments. Included are federal and state forbearance programs and moratoria on foreclosures. Just as important, the article explains how to apply for forbearance, how forbearance prevents foreclosure, and what mortgage repayment options are available once the forbearance period expires.

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