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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.

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.

Collection Actions, Fifth Edition, Now Available in Print + Digital Formats

Collection Actions (5th ed. Oct. 2020) (778 pp.) is now available in both print and digital format on the NCLC Digital Library. This is the definitive manual on defending lawsuits to collect credit card and other consumer debt, including special tactics for medical, government, and criminal justice debt. Subscribe now for instant access to this treatise. Learn more and read Chapter One for free here.

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.

Major Consumer Protections Announced in Response to COVID-19

This article lists a growing number of actions Congress, governors, federal and state agencies, and companies are taking to respond to the COVID-19 epidemic: suspensions on foreclosures, evictions, and terminations on telecommunications and utility service, elimination of interest and forbearance on student loan payments and home mortgages, and more. Updated: Aug. 13, 2020

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