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Two Essential New Treatises for Representing Homeowners Now Available
NCLC has just released two all-new and important treatises in print and on the NCLC Digital Library: Mortgage Servicing and Loan Modifications and Home Foreclosures. This article describes their content, how to read Chapter 1 for free, and the treatises’ inclusion in certain existing NCLC subscriptions at no charge.
Key Post-Henson Decision Holds Debt Buyer Is a "Principal Purpose" Debt Collector
The Supreme Court in 2017 ruled debt buyers do not fall under the FDCPA’s second definition of a debt collector—one who regularly collects debts owed to another. As discussed here, the Third Circuit in Barbato has just found a debt buyer covered under the FDCPA’s principal purpose definition, concluding that FDCPA coverage does not require a debt buyer to engage in overt collections.
Increase of Federal Bankruptcy Exemptions, Other Dollar Amounts: April 1, 2019
Effective April 1, consumers filing bankruptcy will be able to exempt more of their equity in their homes, cars, household goods, and even retirement accounts. This article describes all the bankruptcy dollar amount changes going into effect April 1.
New Supreme Ct. Opinion Supports Challenges to Excessive State & Local Government Fines
The Supreme Court has just imposed the Eighth Amendment’s Excessive Fines Clause on the states, recognizing that the clause is a shield against government’s using high fines for revenue-generating purposes. This article explains that the opinion will surely be used to challenge the rising fines imposed by state and local governments and their impact on low-income defendants.
Consumer Law Changes Taking Effect in 2019
This article lists federal and state consumer law changes scheduled to become effective in 2019. That is, the listing includes consumer law changes enacted in 2018 or earlier, but scheduled to go into effect in 2019.
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Mortgage Servicing and Loan Modifications
The most complete and up-to-date treatise on the new loan modification programs and rights to deal with mortgage servicers.
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