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Consumer Law Implications of the American Recovery Plan Act

This article examines the consumer law implications of the March 11, 2021, American Rescue Plan Act: how to protect stimulus payments from garnishment and a bankruptcy trustee; student loan forgiveness being no longer taxable; relief for utility arrearages and payments; help for homeowners and renters; and help with broadband and water bills.

Bankruptcy’s Role in Alleviating Criminal Justice Debt

Unpaid criminal justice debt can have draconian consequences, and this article explains how a bankruptcy filing can sometimes be effective in reducing that debt. Although criminal fines and restitution orders are not dischargeable in bankruptcy, other portions of a filer’s criminal justice debt may be dischargeable. The article also links to several resources covering this topic: a free May 13 webinar, a recent report, and NCLC treatises.

Effective May 3 New Federal Debt Collection Rule on Eviction Practices

This article explains a new CFPB Interim Final Rule, effective May 3, 2021, that increases information for tenants about COVID-related protection from eviction. The article also details tenants’ federal remedies against eviction attorneys and other debt collectors involved in the eviction that fail to provide or misrepresent that information.

Manufactured Home Creditors’ Unique Exposure to Consumer Claims

This article examines nine ways that manufactured home creditors face unique legal exposure to consumer claims and remedies, including recent developments that may increase such creditor liability. Examples are a federal ban on arbitration clauses in manufactured home credit, special statutes making manufactured home creditors liable for warranty violations, statutory damages of tens of thousands of dollars for UCC Article 9 violations, and more.

Cheat Sheet to COVID-19 Bankruptcy Provisions and Sunsets

New March 27, 2021, bankruptcy legislation now extends the sunset dates of the three CARES Act bankruptcy provisions. This article explains the new law and then provides a “cheat sheet” listing all ten of the COVID-19 related bankruptcy provisions by sunset date, with links to more detail for each provision and also Public Law and U.S. Code citations.

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