This article examines three current forms of home equity theft: offering realtor services to create liens on homes, buying homes below market value before they are listed, and sale-leasebacks schemes. The article describes each scam, current litigation, common features of home equity theft, and twelve different legal theories for homeowners to seek relief. Links are provided for more detail.
Ratio Utility Billing Systems (RUBS) increasingly is used in rental housing with a potential for abusive landlord utility billing practices for tenants’ gas, electricity, or water. This article explains RUBS and the disadvantages of RUBS compared to traditional utility billing, provides a checklist to determine if a RUBS bill is accurate, mentions RUBS legislation and litigation, and links to additional resources.
FHA has announced new help for homeowners having trouble paying their FHA-insured mortgage loans. This article explains the seven key changes, including minimized documentation requirements, new home retention options, and access of successors-in-interest to FHA loss mitigation. This article describes the changes and provides links for more detail on each change.
This article examines the most significant 2025 Fair Debt Collection Practices Act (FDCPA) developments, including summaries of all reported FDCPA circuit courts of appeals decisions, a discussion of withdrawn guidance at the CFPB, and the just-released Eleventh Edition of NCLC’s Fair Debt Collection treatise.
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