Almost four years ago, Derrick Milbourne and Samantha Churcher first filed this action alleging that the defendant, JRK Residential America, violated the Fair Credit Reporting Act’s specific requirements governing the use of consumer reports for employment purposes. See 15 U.S.C. § 1681b(b). JRK soon filed a motion to dismiss for lack of jurisdiction, which this Court denied. See Dkt. 20. After this Court certified two classes of plaintiffs, JRK filed a summaryjudgment motion on the class claims, which this Court again denied. See Dkt. 68.

This is a sample state court complaint against a check casher and payday lender, alleging state usury and other state credit law violations, federal RICO, Truth in Lending, UDAP, fraud and misrepresentation.  The complaint was submitted by three Kentucky legal aid attorneys at the Appalachian Research & Defense Fund. 

This six-page intake form obtains client information concerning a threatened foreclosure:  basic information about the homeowner, the home, the mortgage, other mortgages and liens, an income budget, an expense budget, information on other debts and assets, and a comparison of income to expenses.

This checklist assists in foreclosure prevention counseling, setting out the various steps the counselor should follow.

This is a form that a homeowner can sign to authorize a housing counselor or attorney to obtain information about their mortgage loan from the mortgage servicer or other entity.

This six-page checklist provides advice for homeowners to avoid foreclosure—steps to take before payment troubles start, other steps when things begin to feel tight, steps when starting to fall behind on payments, and other important information.

This is the 2004 form used for Freddie Mac mortgages to modify a mortgage loan.

This is a rider to a loan modification agreement indicating that if the homeowner sells the property then the full amount of the mortgage loan is accelerated and due immediately.

This is a rider to a loan modification agreement indicating that a loan modification agreement does not affect the fact that the homeowner’s chapter 7 bankruptcy has discharged the homeowner’s personal liability on the mortgage loan.

This is a rider to a loan modification agreement where the homeowner rents part of the property and gives the lender certain rights concerning the rental units.